[Pie in the sky
This is a real event. For well-known reasons, the name of the article is a pseudonym)
Zhang Taohua is an ordinary office worker, but he has experienced a surprising "peach blossom luck". By chance, he was introduced to Shen Tianshang, a real estate agent.
Shen Tianshang promised that after transferring a property in his name, after the mortgage was down, Zhang Taohua could take 60% of the loan amount, and his annual income was only 30,000 or 40,000 yuan.
While selecting Zhang Taohua, the "debtor" who buys a house for others, the agent is also looking for a suitable property.
Xu Renjian, due to capital turnover, is anxious to ** a 199-square-meter top-floor duplex house. Because the house is located in the middle of nowhere and has a large area, it has been unattended since it was listed. Later, Shen Tianshang took the initiative to find her.
Xu Tianren said that at that time, Shen Tianshang said that their company would take over the property in the name of employees. Because the company has limited funds and cannot use all the money for the down payment, she needs to cooperate to make the appraised price of the house higher.
Can the bank approve the ** of high real estate? Banks are required to do asset valuations. Xu Renren questioned at the time, but the intermediary told her that she only needed to cooperate with the signature, and the rest was not to be bothered.
After the two sides negotiated, Zhang Taohua was called to Shanghai by the intermediary again, and the two parties cooperated to sign the house sale contract and went through the relevant procedures for applying for a housing loan.
The actual transaction price of the house was only 2.53 million yuan, which was assessed at 5.5 million yuan, and finally borrowed 3.57 million yuan from the bank, in addition to the house payment due to Xu Renren and the various taxes and fees paid, the intermediary still made a profit of 850,000 yuan. The money was finally divided by real estate agents, loan agents, scalpers and others, and Zhang Taohua also got 10,000 yuan.
[Analysis].
"Debt" was mainly used in areas such as credit loans, but in recent years, it has begun to enter the housing loan market. Behind the "debtors" who were fooled into "lying down to make millions", there are operators and intermediary companies that match assets that package the identity of the "debtors", and then purchase real estate to obtain loans through high-evaluation means, and then apply to the bank for decoration loans, credit loans and other cash-outs.
However, behind this seemingly beautiful opportunity, there are many risks and problems hidden.
First of all, there are great risks in the "debt-backed" business itself. This type of business often requires the borrower to provide false identification information and proof of assets, and the loan amount is often much higher than the actual need. If the borrower fails to repay the loan on time, they will face high liquidated damages and interest, and may even be sued by the bank. In addition, the "debt-bearing" business also involves issues such as the leakage and misuse of personal information, which will also bring potential risks to borrowers.
Secondly, in Zhang Taohua's experience, he also faced fraud and exploitation by intermediary companies. The agency promises to buy the property in the employee's name, but in fact transfers the property to itself. This kind of behavior not only violated the law, but also harmed Zhang Taohua's rights and interests. At the same time, the agency also defrauded the bank of the loan by making the value of the house far exceed the actual value by means of high appraisal. This kind of behavior is not only illegal, but also seriously violates the financial order and social stability.
Finally, the existence of the phenomenon of "debtors" also reflects problems of social inequality and economic structure.
The phenomenon of "debtors" is a complex social problem that requires us to analyze and study from multiple perspectives. We should strengthen the construction and improvement of the legal system and regulatory mechanism to protect the legitimate rights and interests of everyone. At the same time, we should also actively advocate the values of integrity, fairness and transparency to promote the harmonious development of society.
To be continued).