Earn 2 million in 3 months, this kind of good thing seems to only appear in fraud**.
But with the emergence of "professional debtors", earning 2 million in 3 months has also gone from a dream to a reality.
However, there has never been a free lunch in the world, and all the gifts of fate have long been secretly marked**, and behind the 2 million windfall profits is the price that is difficult to turn over for a lifetime.
If it were you, what would you choose?
In recent years, the housing market has been sluggish, and under pressure, some people in high positions urgently need to find someone to take over, and the role of professional "debtor" and the gray industry chain around this role have also come into being.
How does it work? Let's take an example to illustrate.
For example, A now has a house of 5 million yuan in his hand and wants to sell, but the market ** is too poor, and A doesn't want to lose too much, so he finds an intermediary who specializes in "processing" assets, hoping to use 4 million ***
But now there is no one to take over the **4 million, what should I do? That's where professional debtors come in.
The agent looks for the debtor, and after finding a suitable person, the agent advances the down payment and transfers the house to the debtor's name, and then immediately remortgages the house.
Some people will ask, the second mortgage must not be able to loan 5 million, isn't it a loss to do so?
Don't worry, after the intermediary gets this house, it will naturally not be as simple as just making a second mortgage loan, in addition to the second mortgage, the intermediary may also do credit loans, decoration loans, business loans, consumer loans, etc., anyway, it is to "maximize" the use value of this house.
So how much can a 5 million house be "realized" in the end? The answer is close to 10 million in cash.
After deducting the 4 million "cost" to the homeowner, there is still 6 million "profit", and in most cases, the "cost" of a house of 5 million is not 4 million at all, and the "profit" will only be higher than 6 million.
Seeing this, everyone must be wondering, maybe banks and financial institutions don't have risk control, don't you review it?
Of course, the audit is to be audited, but the question is what if the relevant staff members themselves are also a link in the chain of interests?
According to a report by Fingertip News on December 12, 2023, on December 31, 2020, Shanxi Lucheng Rural Commercial Bank loaned 8.97 million yuan to three post-90s salarymen "God Speed".
One of the borrowers, with a monthly salary of 3,000, got a loan of 2.99 million yuan from this bank with just a few documents, and the loan was successfully disbursed on the same day.
According to a report released by China Economic Weekly on January 26, 2024, in the rural credit cooperatives of Xiangshan County, Zhejiang Province, 11 financial personnel illegally lent as much as 42.5 billion yuan.
The State Administration of Financial Supervision and Administration imposed heavy fines on the 11 financial personnel, including seven managers, including the general manager, who were banned from working in the banking industry for life.
According to ** statistics, in the past one year, the national regulator has issued more than 2,400 fines to banks and financial institutions, including more than 1,000 fines for credit violations, and most of the violations involve housing financing.
So the risk control and audit of banks and financial institutions have gone to **? Everyone should have the answer in their hearts.
Some people will ask, the industrial chain of debt is probably clear, but what does this have to do with professional debt bearers?
To put it simply, the 10 million loan that the intermediary took out through this house did not intend to repay at all, so the debtor was needed to "carry" the 10 million debt.
The debtor will definitely not be able to repay the 10 million, so he will inevitably become a "laid-back" on the list of dishonest people.
Some people may think that it doesn't matter if it's a "bad guy" or something, but can it really be indifferent? Of course not.
Not to mention the various restrictions on consumption, it is impossible for a lai to borrow a penny from a bank or financial institution, and it is impossible for him to guarantee anyone or anything.
Let's put it this way, there is no possibility for Lao Lai to borrow money from the "public".
Some people will say, then I don't borrow money or borrow money for the rest of my life? It's not that simple.
The money on Lao Lai's bank card will be executed, as long as there is a credit, it will be swept away, Alipay and WeChat are also a treatment.
In addition, each place has a variety of different restrictions on the lai, and as the state cracks down on the untrustworthy more and more, the life of the lai will definitely become more and more difficult in the future.
It can even be said that it will be difficult for Lao Lai to move an inch in society in the future, and as long as he does not pay back the money, it is impossible to have any chance to turn over.
So it looks like 2 million is very **, but the price paid is very heavy, and you have to carry this 10 million heavy debt for the rest of your life, and you can only repay the money if you want to turn over.
In addition, the gray industry of professional debtors is, to put it bluntly, to obtain loans by fraud, which has been suspected of a crime, and once it is verified, it will inevitably go in, and then it will definitely be empty of people and money.
In December last year, Shanghai ** cracked a mortgage fraud case involving 60 million yuan, and arrested a total of 36 people including debtors, scalpers, intermediaries, and bank employees, and they will be severely punished by the law.
[Conclusion].
If the risk is so great, why are there still people who are in debt, and who are they?
It is understood that the age and identity of professional debtors are different, but the general level of education is not high, and they lack basic legal knowledge, and the most important thing is that they are in urgent need of money.
The reason for the urgent need for money is either business failure, gambling debts, or daydreaming of getting rich.
And when they get the "huge money" in their minds, most of them squander it in a short period of time and return to their previous state of poverty.
After all, I haven't experienced the hard work of making money, and naturally I won't cherish the wealth in my hands.
And when their money is spent, there is basically no other hope in their lives.