Avoid the new deal fake divorce slow marriage signs appear

In just two weeks, the state has issued a series of powerful property policies to curb house prices. "Recognize the House does not recognize the loan" two sets of mortgage definition standard implementation, the state by raising the loan down payment, interest rate to strictly tighten the two sets of mortgages.　　　　However, "There are policies, there are countermeasures", in order to circumvent the high interest rate of two sets of mortgages, many slow marriage, fake divorce family also began to emerge. "Divorce once save hundreds of thousands of" more than 10 years of happy married Changsha residents Li Guoliang couple recently was ready to divorce.　　There was a surplus of money on hand they are prepared to use their savings to invest in property, and after one months of looking at the house is ready to sell, the new house production policy is met, this let Li Guoliang couple son in the face of the problem of buying a house.　　According to the standing meeting of the State Council held on 14th, the bank's loan interest rate rose from 85 percent to 1.1 times times that of the benchmark rate, which led to a huge difference in interest rates. "Fancy The house is 720,000, was originally prepared to go down 30%, the loan is about 500,000." But after the new deal, not only the down payment to increase to 350,000, interest rate adjustment will increase the repayment of 100,000 yuan interest, each month's repayment pressure greatly increased.　　"Li Guoliang said.　　The thought of buying a house will be a bubble, but Li Guoliang from intermediary agencies there heard a good way to circumvent the mortgage policy ——— "fake divorce." "Two suites are based on family units. As long as there is no real estate after the divorce, has not previously lent money, and then purchase is still the first suite. The first agreement to divorce, the property is awarded to her, and so I apply for the mortgage, and then remarry. Li Guoliang, after consulting friends at the bank, is very confident about the "fake divorce" procedure proposed by the agency. For divorce, remarriage, 42-year-old He did not worry: "It is only expedient, and now divorce is not like before, do not need to suffer from social criticism." "Fake divorce" brought the mortgage concessions are indeed very impressive, a real estate agency in Changsha, Chen Ping to reporters calculate a sum: "To Changsha, a housing rate of 8." 50 percent and 1 1 time times the difference is to increase the interest of about 100,000 yuan. In a first-tier city with high housing prices, the difference in interest rates may be 600,000, which does not include the amount of money on a down payment. So for a lot of people, a divorce can save hundreds of thousands of, how about a marriage? Chen Ping also revealed that, in the intermediary company, he and his colleagues for many people have handled a "fake divorce" to apply for credit formalities, "in fact, this is just a kind of legal avoidance of tax evasion means, the law is not a problem." Fanning, vice president of the Bank of China's Changsha Wu Jia Ling Branch, also told reporters that before the new deal came out, the first suite and the two-room mortgage interest rate on the difference between 70 percent and 85 percent, when the use of false divorce to fight for preferential housing policy of the public.　　And now the first and two suites to apply for loans in the down payment and interest rate differences further increase "fake divorce" operation may be more common. Policy differences breeds "marriage fraud" in addition, the introduction of the New deal also makes many people also toOffer to buy a house and choose to suspend the marriage plan. 26-Year-old Huang Juan Juan has been parents urged to marry, but because of the emergence of the real estate, she had to postpone the wedding: "I have a loan to buy a set of more than 50 square meters of single apartment, married words must not live, at least to buy a second room of the house." First marriage and then buy a house is the second suite, mortgage interest, down payment will be much higher. In this case, you can only buy a house before you get married.　　"Suyun said. The reporter learned that in order to make the family do not lose the purchase of a second suite of concessions, China has a lot of "undocumented marriage" began to emerge.　　A good friend of the reporter Wu Guiyan and boyfriend have been together for six years, no real estate, but the feelings of stability they are going to buy their own set of rooms and then "get the card" to marry. "The house is a very good investment, the preservation of the project, there are two suites in the foreign parents can also come to live." But married can only enjoy a set of room preferential policy, simply wait to buy two suites again knot.　　"Wu Guiyan said. Reporter in the interview learned that "marriage fraud" to fight for property is not new. The early years of a house of welfare housing policy, not only let a lot of people do not hesitate to "fake divorce" in exchange for a home, and even some people for the family room and hurriedly find the object of "false marriage."　　When the use of "fake divorce", "fake marriage" can achieve a certain amount of benefits, always let some people to risk the "marriage" of the big condemnation. In the interview, the reporter also found that because of the national policy will always be due to marriage, family conditions are different, many national policies, laws and regulations have bred a "false divorce" phenomenon of breeding: some people for the birth, many births and divorced after the pregnancy, some people to avoid loans, tax evasion and false divorce; Endowment insurance subsidies and other preferential policies and fake divorce ...　　　　Originally, in order to achieve social fairness of the policy differences has become a lot of people to seek "unfair" speculative road, how to achieve policy fairness, social justice is therefore controversial. "Fake divorce" should be "anti-circumvention" as an administrative organ, as long as the formalities complete, legal and consensual, whether true or false knot, we must follow the procedure. "As to why they divorced, married, even today and tomorrow, we have no right to interfere," said the staff member of the Marriage Registry of Changsha Civil Affairs Bureau. "Marriage is free in law," says Feng, a lawyer at Changsha law firm. Both spouses, even for a variety of purposes, divorce or marriage procedures, the practice is also true, protected by the law. Marriage is based on the subjective feelings of both sides, from the legal point of view, there is no false divorce, nor is it easy to use the law to define the category of ' false divorce '. Feng also revealed that those who get a mortgage offer through marriage or divorce are also at risk. "Couples in order to have a house for the division of property, divorce procedures, in case of divorce after which side is unwilling to remarry, the other side how to do?" "Feng said" once the legal facts of divorce are created, either party canTo find other people as partners, mutual help, mutual care and other obligations are no longer the "false divorce" of the property division is also legally protected. "In addition, false divorce may not outweigh the gains."　　Some members of the public analyzed that China's imposition of a property-holding tax policy is expected, that is, when a family of long-term possession of more than three housing, will levy a holding tax, and the long-term payment of the holding tax may exceed the interest rate of the loan benefits. Many respondents said that "fake divorce" even if seemingly legitimate is not desirable, because marriage issues directly involved in social harmony and moral atmosphere, will directly affect the national policy and implementation of the effect.　　Every person's right to freedom of marriage is worthy of respect, but society should also establish a responsibility to their own, socially responsible marriage attitude, serious and serious treatment of marital problems, rather than as a "trifling." There are also many interviews with the object that from the real estate New deal caused by the "fake divorce" phenomenon, that China's real estate new deal still have some unsatisfactory place. If a household unit is used to determine the rate of loan, this ignores the special housing situation and requirements of each family, which may result in the purchase of a second set of improved housing by low-income families with low living area and cannot apply for preferential loans. "Countries can use more refined and humane policies to circumvent the public Fake divorce ' phenomenon. Now that the new deal has just come out, I believe that the policy should be on the horizon. "Feng said.