After loan management loopholes consumption loan change body mortgage

Every reporter Zhang Wei from Beijing is affected by a series of regulatory policies, the bank's mortgage business appears to continue to slump.　　However, the reporter found that the housing mortgage consumption loan has become a part of the property speculators to obtain bank credit another channel.　　Home loans depressed consumer loans although recently the bank has increased the management of the mortgage, but some banks to customers through the "consumer loan" to the credit limit of the management is not very standardized, which for borrowers to use consumer loans to enter the real estate market to create opportunities.　　The daily economic news reporter from some bank loan business department learned that in the housing business continued to slump in the case, the consumer loan has become a loan business staff to recommend to customers "flagship varieties."　　A bank loan Business Department account manager to the reporter that the customer will be mortgaged to the bank, the bank to give customers a comprehensive consumption of the credit line, to the bank, can raise its interest rate income, and customers can easily access the credit line, such loans made a greater probability. "Business people rely on performance to speak, and now the mortgage business is too cold, we have a straight panic, so many mortgage workers are doing consumer loans recently."　　"he said. Bank of a branch business staff interviewed, said the borrower in the bank's consumer loan application after successful, must swipe consumption. But when applying for a property, the credit limit is blocked by the intermediary and the developer's system.　　Therefore, the final flow of loans to manage the existence of relatively large difficulties.　　After loan management loophole hidden risk Although the mortgage is limited, the tenant can use the bank launched the "Consumer loan" curve loans to buy a house.　　The account manager said that some of the banking business to improve their own performance to win customers, in the audit relatively loose, the bank of the use of loans is not strictly regulated, consumer loans may be used to purchase more than a tenant loan loans, the money into the property market to create opportunities. CCB Branch of the home loan business owner told reporters, a number of banks launched a variety of individual comprehensive consumer loans, mainly refers to the bank to individual customers have designated consumer use of consumer loans, does not include mortgages. The CBRC requires banks to provide a clear direction of lending to customers when approving consumer loans.　　However, many buyers and decoration companies, such as mutual co-ordination, and individual bank approval is not strict and other factors, customers in the acquisition of bank personal consumption loans may be used to purchase or pay monthly loans. The reporter learned that the bank "consumer loans" the loophole is to fill the speculation of the tenant's fried house black hole.　　For example, customers to apply for decoration loans in the name of the hands of the house mortgage to commercial banks, banks in accordance with the value of the mortgage assessment of 70% within the provision of consumer loans, after the loan has been approved, the bank will transfer funds directly to the customer contract decoration company accounts. Such operations, fully meet the loan amount only for consumption, loans by the bank directly into the third party account conditions.　　In fact, the decoration company and customers have reached an agreement, customers can only pay a certain fee to take this part of the loan, used to pay mortgages, loans to fill the housing black hole again. The above Construction BankA branch of the home loan business owner said that, although the bank raised the "consumer loan" business approval threshold, but after the credit supervision has yet to be strengthened, although the interest rate of such business increases the income of the bank, but it is illegal operation, the risk can not be underestimated.