Intermediary operation to circumvent real estate new deal fake divorce buy third Suite

Background News The three ministries issued a strict check up prices, the Ministry of Land and Resources official website released news, the Ministry of Land and Resources, housing and urban and rural Ministry of Construction, Inspection Department of the joint issuance of clear provincial government to stabilize house prices will be accountable. Three ministries request, the house price is too high, rises too fast, the supply is strained city, must limit the household to buy a house in a certain time.　　Effectively increase the effective supply of housing, to accelerate the construction of affordable residential projects. The three ministries also demanded that cities with rising housing prices increase the total supply of residential land.　　All localities should fully implement the construction Fund of the Security and housing project, speed up the construction progress, strengthen the project quality and construction safety management, and complete the construction task of the guaranteed housing project. At the same time, further strengthen market supervision, serious investigation of illegal violations. To increase the inspection of the housing trade market, according to the law to investigate the agency speculation, drive up prices, encourage customers to sign "yin-yang contract" behavior.　　Accelerate the construction of real estate market and personal housing information system, provide comprehensive, timely and accurate information for the mass housing consumption and strengthen the management of real estate market. "9 29" real estate policy, the purchase of commercial housing loans, the first payment ratio adjusted to 30% and above, while the suspension of the issuance of three mortgages.　　A few days ago, the reporter found that individual real estate intermediary business personnel said "there are policies, under the countermeasures", to take "high rating high credit" way to circumvent 30% down payment, while the "fake transfer", "Old Buy new" and other tricks to achieve three sets of mortgages.　　Multiple suites to buy multiple suites use the risk of "9 29" real estate New deal proposed by the commercial banks to suspend the issuance of residential households to buy the third and more housing loans policy, reporter visited learned that, because there is market demand, individual Realtors try to circumvent this new policy. Trick 1 "fake divorce" or in the name of others loan realtor Mr. Liu said, at present, the bank to judge the home buyers have several sets of houses, mainly based on the buyers in the banking system of the credit records, that is, the so-called "credit is not recognized room", so as long as a person without a loan record loan, then the transfer will be done. For example, many people's parents although have a house, but actually did not borrow money, so the head of the household to write the name of the parents. Mr. Liu said, in addition to the couple can also "fake divorce", the house all transferred to the other name, their own divorce after no real estate, there is no loans, and then purchase is still the first suite. When you do all the mortgage procedures, and then remarry, the bank will not interfere with you, "but this way the risk may be higher, the need for the couple to discuss in advance." "Analysis:" The legal profession said that both sides have a certain risk, the first party (lenders, the same below) do not have to pay a down payment or loans to become a property owner. In the case of continued appreciation of the real estate, if you do not have a loan, the bank to auction, the other side is not affected, but once the property price decline, the auction is not enough to borrow money, the other party will bear the responsibility of repayment.　　At the same time, if you postpone the repayment, the other party's credit record will also affect the loan. Trick 2 deal with fake transfer WangThe couple currently has two sets of houses, a set of more than 40 square meters, the name of the wife, used for rent, there is a house of their own, more than 80 square meters, the name of Mr. Wang. A few days ago, the couple wanted to buy a small, small-house commercial for investment.　　"9 29" real estate after the new deal, completely blocked their loans to buy a third house of the road. "What's the solution?"　　"The husband and wife find the real estate broker consultation, the other side said, you can transfer the name of the two suites to trustworthy relatives name, then loan home purchase, or the name of relatives to buy a house, and then transfer to them." Analysis: "Whether it is to transfer the original housing to others, or in the name of others to buy and then transferred to their own name, there is a certain risk." Legal people said that the current "fake transfer" among relatives and friends, and some write down the commitment to the House, some of the feelings, simply do not have any written, this practice has great hidden dangers.　　"Fake transfer" is a loophole in the drilling policy, in the operation, once improper, it is easy to cause disputes, and if the private transactions were uncovered, both sides should be liable to pay taxes and fines. Trick 3 old buy new real estate agent Liu told reporters, if the hands of more than two houses have been paid off, can be used to mortgage loans, to the bank for mortgages, loans can be paid in full payment to buy a third set.　　According to the regulation, the mortgage limit is 50%-70% of the evaluation of the two suites, such as two suites to reach the value of 2 million yuan, then the maximum amount of loans can reach 1.4 million yuan, can support a one-time pay for the third set of money. Analysis: The reporter learned that the mortgage is the borrower to the existing name of the property as collateral, to the bank to apply for a mortgage, which is usually called "old buy new." Homeowners can mortgage their mortgages to banks and pay for new purchases by "betting on the old buy new".　　Insiders remind that the current mortgage interest rates are generally higher, at the same time, individuals borrow money from the bank for housing consumption, if not regularly pay back the risk. Trick 4 use Provident Fund loan "can use Provident Fund loans to buy a third house." Mr. Liu said, because the current Provident Fund loan policy in Dalian has not been adjusted, so buy a third house can choose Provident Fund loans, "in accordance with the provisions of the Maximum Provident Fund loan of 250,000 yuan, 2 people can reach the maximum of 450,000 yuan, but to seize, because the policy may change at any time." "During the visit, a number of real estate brokers said," after the new deal is indeed a lot of home buyers are considering using Provident Fund housing. "Analysis: The reporter learned that from the beginning of this May, some of the domestic cities have introduced measures to the Provident Fund loan policy tightening, or even stop accepting Provident Fund three suites loan. In this respect, Dalian Housing Provident Fund Management Center staff said that Dalian Provident Fund Loan management has been the way to control the current, still in accordance with the previous policy. At present, the Dalian to apply for Provident Fund Loan two suite is defined according to the borrower under the name of whether there areCommercial housing loans that have not been paid off.　　For the three suite, there is no specific definition. First Suite "High rating high credit" lower down payment days ago, in order to curb the rapid rise in housing prices, the state's relevant ministries to introduce measures to provide loans to buy merchandise housing, the first payment ratio adjusted to 30% and above. In this case, the city of individual real estate intermediary said, "on the policy, there are countermeasures, as long as the way, not only to achieve 20% down payment, can even achieve ' 0 first pay ' purchase." "Mr. Wang has been working in Dalian since he graduated, a few years time has accumulated more than 100,000 yuan, in accordance with 10,000 yuan per square meter of housing prices, he would have to pay a set of fifty or sixty square meters of commercial housing, and now the down payment ratio of more than 30%, all of a sudden make his first payment appear tens of thousands of Yuan gap. "There's a realtor who told me that although the rule is 30%, he can still give me 20%," said the other, "even if it's" 0 "is not impossible. A realtor in the city told reporters this mode of operation is illegal operation, belong to the unspoken rules in the industry, used in second-hand housing transactions in more, but with the relevant departments in recent years to strengthen the management, large intermediary companies have rarely done this kind of thing, currently only some small intermediary companies are still doing. The broker introduced, this kind of illegal operation is "high rating high credit", that is, the original transaction price unchanged, but in the declaration to the bank, raised the price of housing transactions, is actually the first payment "transformation" into a bank loan. "For example, a set of 1 million yuan of the house, to the bank valuation of 5.5 million yuan, and then 70% to do the mortgage, one time, not become a ' 0-pay '?" "The analysis is understood," 0 pays "the way not only with the state authorities strictly control the bank credit risk of the direction of the contrary, at the same time the buyers themselves also exist risks. Legal personage says, "0 pays" the house purchase, violates the related regulation policy, belongs to the illegal act. At the same time, the contract law also stipulates that the existence of "malicious collusion, damage to the interests of the State, the collective or the third person" can be regarded as invalid contract.　　Once the matter is exposed, the original innocent buyer has become the offender, and its rights and interests not only can not be protected, but also will bear the corresponding legal responsibility.　　Shi, president of the Dalian Association of Realtors, said, "0" buy the way will give home buyers a potential financial credit risk, because the repayment pressure, part of the resistance to the risk of not strong home buyers are prone to break, once the situation, the buyer will be expelled from the House of Doom. " Reporter Shangliang