Qian Kaishen and his wife almost gave up on buying a bigger home in August. When apartments went on sale at Shanghai Villa, a project they liked near the city's Hongqiao Airport, the couple couldn't come up with the 30 percent down payment, because most of their savings were locked up in a certificate of deposit-like investment earning 5 percent a year. Then the property agency they were working with, E-House China Holdings, offered the couple a one-year, 280,000-yuan ($45,546) loan at zero interest. It covered about half the down payment and, combined with cash they had available, gave them just enough. "Now we're good both on our investment and home purchase plan," says Qian, who works for a local logistics company. "We would've given up if it weren't for the loan. I don't like borrowing from my parents or relatives, especially because we have the money."
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机译：钱凯申和他的妻子几乎在八月份放弃了购买大房子的打算。当他们在上海虹桥机场附近的一个项目上海别墅出售公寓时，这对夫妇无法预付30％的首付，因为他们的大部分积蓄都被锁定在类似于存款的投资收益证明中每年5％。然后，与他们合作的房地产中介机构E-House China Holdings向这对夫妇提供了一笔为期一年，金额为280,000元（合45,546美元）的贷款，零利率。它支付了大约一半的预付款，再加上他们可用的现金，就足够了。 “现在我们在投资和购房计划上都表现出色，”在当地一家物流公司工作的钱先生说。 “如果没有这笔贷款，我们会放弃的。我不喜欢从父母或亲戚那里借钱，特别是因为我们有钱。”
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