How to operate fake mortgage

In the current real estate market, the phenomenon of fake mortgage is certainly there, but with the improvement of the bank risk control system and the gradual improvement of the legal system, this phenomenon will become fewer and fewer.

The operation method of fake mortgage is that developers seek their employees or some associated persons as fake buyers, and then borrow their ID cards for mortgage loans. The developer will promise them in advance that the first payment and monthly subscription will be provided by the developer, and the "benefit fee" will be paid to them for several thousand yuan ".

After these people agree to provide their ID cards, the developer will forge the proof of these people's income and contact the relevant lawyers to issue a legal opinion to prove that these people have the ability to repay.

Then, the Development Chamber of Commerce handed the loan materials to the bank, and there were developers in the bank who contacted the employees in advance to perform a superficial review of the materials submitted by the developers, it is easy for developers to get a loan of 80% because developers will "benefit" them ".

In this process, some developers intentionally raise the house price before going through the mortgage formalities in order to obtain a large number of loans, even though they paid 20% of the first payment, but in fact, 80% of loans are the full value of the entire house.

After obtaining a loan, developers usually adopt two methods. One way is to sell second-hand houses. The house in a residential area is sold very "fire" and even sold out, but after going in, you will find that there is no basic decoration. This is a game developed by developers. Through the illusion of hot selling, developers will attract real buyers to buy second-hand houses. Based on the illusion of hot selling, developers will be able to make money when selling second-hand houses.

In another case, after obtaining a loan of 80%, the developer is waiting for the Bank to apply for an auction if he is not prepared to continue his monthly subscription. Generally, after the district court accepts the auction application, both parties are requested to negotiate with each other and select the Real Estate Evaluation Institution and the auction institution. If the two parties fail to negotiate, the district court will apply to the Municipal Higher People's Court for screening and evaluation institutions and auction institutions.

The Municipal High Court decided to evaluate the company and the auction company by drawing lots from dozens of designated evaluation agencies and auction agencies. Then, the High Court will inform the district court of the results of the lottery and hold an auction.

Before the auction, the auction organization will first issue an announcement. For an announcement, it is only legally required to make an announcement on the public media, and there is no limitation on the publishing method of the announcement. As a result, some auction agencies have many means to block other developers from taking photos of their properties in order to define a competitor group and exclude other competitors. For example, if the announcement is published in the middle of a newspaper, the phone number will never get through, and the money remitted may be refunded by the bank. Most of the companies that enter the auction are colluded in advance.

Of course, if there is an "unexpected situation" at the auction site, for example, if there is a competitor out of the scope of the auction, the auction organization generally says "the bidder is not enough, the auction time is postponed due to reasons such as canceling the auction or "the person who has already paid the deposit cannot be present and cannot compete. The purpose of this practice is to ensure that people in the circles previously defined by developers and auction companies compete for the purchase.

In this process, the developer may also work with the evaluation agency to estimate the value of the property, and the auction reserve price is generally lower than the evaluation price.

After the auction is successful, the amount of money the bank withdraws and the amount of money from the auction. From the book, the bank goes through an internal review to clear the overdue loan. The auction amount and the loan amount are different, banks can only handle dead accounts.

In this way, the bank's funds will be acquired in large quantities, and developers can sell the property at a market price after bidding for the property at a low price.

Currently, personal fake mortgages are rarely used in the auction process. There may be a few malicious developers who use fake mortgages in the name of the company. After obtaining a large number of bank loans, the company then declared bankruptcy. The bank can only take back some loans by auctioning the house because the company has gone bankrupt, for a loan made by a developer, the Bank can only handle dead debts.

But now, the banking regulatory system is gradually improving, and insiders of the Bank do not dare to easily act as the developer's "internal response". Moreover, the law will severely punish such malicious loan frauds.