Avoid new rules citizens bypass mortgage loans buy two Suites

Reporter yesterday to visit the market found that some buyers secretly began to choose to bypass housing loans, through the real estate mortgage to some small and medium-sized joint-stock banks to apply for consumer loans to buy two suites. Du Gang, who lives in South Ping Fu Hung Road, told reporters that he recently had the idea of buying improved housing, but because of the lack of 100,000 yuan, the first payment became tangled up.　　is Du Gang helpless, he received a bank sent a message: Consumer loans 50 days free, can be converted to purchase money, let you realize in time to change. "Our loan is to have a red Ben in the hands of the house to do the mortgage, by assessing the property to a consumer loan line, you can pay by credit card to buy a house first payment."　　The bank account manager told Du Gang. A joint-stock bank said that as soon as the first set of mortgages had been settled, mortgage loans could be used to buy a second suite.　　There are also banks that have set a certain "threshold", a large state-owned commercial bank account manager said, they are in principle only to gold, platinum customers and no bad credit records of customers. Considering that they live in the house still have nearly 100,000 yuan loans not paid off, Du Gang to find a guarantee company cushion, will house purchase, and then the house to do mortgage loans, the money back to cushion companies.　　Du Gang said that at present, the two sets of lending rate is 1.1 times times the benchmark rate, and the 5-year consumer loan rate is still 5.94%. "Originally thought that after the new deal business will be affected, did not expect 51 weeks ago to take more than 10 single business, the chain Rose 30%." "The head of a finance guarantee company said.　　Zhongyuan Real estate, such as intermediary property advisers said that the past personal housing mortgage loans less people, now gradually hot up. It is reported that, according to regulations, housing mortgage consumer loans mainly refers to the bank to the individual customers have designated consumer loans (not including mortgages), generally with the borrower himself or a third person all the right to deal with the housing as collateral.　　At present, banks in the approval of consumer loans, customers need to provide a clear loan purposes. There are commercial banks to remind buyers to housing mortgages, take low interest rate loans to buy a home, there is a greater risk. For example, once house prices fall, buyers will get their money.　　In addition, if the buyer and the relevant companies to borrow in the name of consumption loans, in case the other side of the credit, consumer rights and interests are difficult to be protected. News link Guangzhou 60 real estate 40% price reduction According to New Express News Guangzhou, the recent key push plate 60 real estate, has 24 real estate transaction price decline, the largest decline of nearly 20%. Guangzhou Land and Housing Bureau Sunshine Home Margin network data show that May 1 ~ 3rd Guangzhou Commercial Residential Contract 273 sets, compared with the same period last year 1244 sets, plunged more than 3/4; The contract price is 9375 yuan/square meters, compared with April 11167 yuan/square meters down 16%.