Wuhan sales staff teach clients to do false certificate bank review lax still lending

In the context of the tighter control of the new mortgage, Wuhan's Mr. Hu was in the purchase of the third suite, "success" to enjoy the first suite of preferential credit policy. Mr. Hu has two suites in his name. At the end of March this year, he also saw a set of 90 square meters of the house, and as required to pay a deposit of 10,000 yuan. Soon thereafter, the State Council issued a series of regulatory measures, his suite under the policy down at least 50%, the interest rate should not be less than 1.1 times times the benchmark rate.　　Mr Hu backed out.　　Sales staff Zhang in order to let Mr. Hu buy a house, gave him a continued to enjoy the first suite of preferential policy ideas: A fake divorce card, in the name of Mr. Hu's wife to apply for a mortgage. In Zhang's Bewitched, Mr. Hu and his wife decided to take a risk, to Zhang 200 yuan, by its agent fake divorce certificate and false single proof. In late April, under Zhang's guidance, Hu wife first to the Hankou Bank application, the other side because it is a field (Xiantao) account, did not accept. Hu wife then took a set of false card to the Bank of China application, no trouble passed the review, won the first suite of preferential policies-down 40%, interest rate 72 percent, and at the beginning of this month to successfully get the loan contract. "It could have been a down payment of 30%, but I didn't want to pay too much interest," he said.　　"Mr. Hu said. Recently, the reporter went to the sales department visit, saw Zhang. Zhang admits to help the fraud, but also mobilize journalists to invest in housing. "Have to do false certificate with our Sentinel contact, make a phone call to our sales department, they have experience, high success rate."　　However, Zhang also told reporters that he did so risked being expelled from the risk, the company strictly prohibit to help customers leave. According to Zhang introduced, to the bank to apply for a mortgage, need ID card, hukou, marital status certificate and income certificate and other materials. According to the rules, banks insist on "two-sided" (face test, interview and home visit), but in fact, the bank will not door-to-door investigation, will only call to ask. As long as the calm, take false proof through the examination of no problem. "We do 10, through 8 no problem, the success rate is over 80%." "The reporter then sent Mr. Hu's fake divorce certificate to Xiantao Civil Affairs Bureau, the Bureau staff said this card" false outrageous ", the name of the letter" E cents away from the word "incredibly dozen" E peach away from the word ", often contact with the documents of the bank personnel should be able to identify at a glance. (Chu Tian Jin Pao reporter Zhang Jia)