Securities Times reporter Wu Jiaming
Since the beginning of this year, the transaction volume of new and second-hand houses in many cities has rebounded, and there are more and more improved buyers who are just in need of home buyers and house replacement. Perhaps seeing the opportunity, many loan intermediaries have begun to advance funds to buy houses, but in fact, they are in order to cheat business loans, which contains hidden risks.
Lack of money for changing rooms? Advance money is a lot of tricky
"I recently wanted to change houses, although I already fancy a new house, but the house in my hand cannot be sold for a while, and the bank currently does not have a traditional mortgage loan, so I don't know what to do for a while." Chen Hao (pseudonym), an improvement buyer, recently wanted to change houses in Longgang, Shenzhen, but because the purchase of a house in the name of a second house requires a 7% down payment, he was a little distressed because he couldn't turn over funds. However, he told reporters that he recently received a number of phone calls from loan agents in the name of advancing funds to buy houses, claiming that they could lend him money first to lock in their favorite listings.
After talking with some loan intermediaries, the reporter found that advancing funds to buy a house means that the buyer borrows money from the loan intermediary, and then buys the house in full, and then applies to the bank for an operating loan to repay the loan of the loan intermediary after obtaining the real estate certificate. If the buyer does not have a registered company, these loan agents will also help with it, charging a high service fee.
"Taking a 1000 million yuan property as an example, if the buyer is a first-time buyer, he must first prepare a down payment of 300 million yuan, and the remaining 700 million yuan will be advanced by the loan intermediary; The second house needs to prepare a down payment of 700 million yuan, and the remaining 300 million yuan will be advanced by the loan intermediary. Subsequently, after the buyer buys the house in full, the loan agent will assist the buyer to apply for a bank operating loan fund, pay off the advance, and then the buyer will repay the bank on a monthly basis. A loan agent told reporters.
As the saying goes, "there will be no pie in the sky", "For this 700 million yuan or 300 million yuan advance funds, the cost of our advance is 8/1,8, that is, 1,2 yuan of interest per day requires <> yuan." In addition, the service fee for applying for a business loan is <>% to <>% of the total loan amount. The loan agent told reporters, "Generally speaking, customers who have real estate certificates in hand are easier to operate, and the current application for a business loan immediately after buying a new house will generally be rejected by the bank, at which time the customer will take the original house to apply for a business loan; If the customer is buying a second-hand house, the probability of the bank passing is higher, but we will also review the customer's various qualifications such as credit information. ”
The reporter found that different loan intermediaries proposed to advance funds to buy houses in similar ways. It is worth noting that the China Banking and Insurance Regulatory Commission recently issued the Notice on Carrying out Special Governance Actions for Illegal Loan Intermediaries, requiring all banking and insurance regulatory bureaus and banking financial institutions to deeply understand the serious harm of illegal loan intermediary chaos and deploy a six-month special governance action for illegal loan intermediaries. During the reporter's investigation, some loan intermediaries said that they had seen the relevant rectification information, but the current business can still be handled normally, but fewer banks have accepted and the approval has become stricter. If the way to advance funds to buy a house through business loans does not work, you can operate consumer loans and enterprise loans, but the amount is not high and the interest rate is high.
The so-called "channel" cannot be trusted
In addition, the reporter searched for advance funds to buy houses on many major Internet platforms, and there were still many information popping up on guarantee companies, and the mortgage loan business provided by these guarantee companies was already a business prohibited by formal banks.
Perhaps it is precisely because of the signs of recovery in the property market, the number of home buyers has increased, and loan agents have found opportunities. In addition to advancing funds to buy a house, the reporter also found a variety of loan names and marketing methods, including rental loans, claiming that buyers can be provided with funds to lock in the listing, but they all hide risks and disrupt the normal financial market order.
Some buyers who have been in contact with advancing funds to buy houses told reporters that if the bank's operating loan is not approved, the interest required for the advance is also a lot of expenses. Some analysts said that there are many risks in advancing funds to buy a house, especially the so-called "channels" of loan intermediaries cannot be trusted, and after these false packaging of business loan application materials are reviewed and found, borrowers do not apply for business loans, but increase the financial burden. In addition, there may be a variety of fees such as sincerity payments, security deposits, and advance fees.
"Banks should strengthen the qualification review of lenders, strengthen the management of employee behavior, and when necessary, regulate loan business by including non-performing intermediaries in the blacklist; Intermediaries need to take the initiative to disclose to customers the differences between business loans and housing mortgage loans, and give reasonable reminders on the legal consequences and adverse effects of diversion of business loan funds to purchase houses in violation of regulations; Consumers should strengthen their awareness of capital security and handle loan business reasonably and compliantly. Chen Xiao, senior analyst at Zhuge Data Research Center, said.