Recently, many cities have reported that the property market is picking up. However, with the sound of the recovery of the property market, the credit chaos has become active again. All kinds of loan names and marketing methods with low interest rate, low threshold and high rebate have hidden risks, so buyers still need to be vigilant. The following small series brings the property market to pick up, and credit intermediaries play "high rebate". I hope you like it.
Credit intermediaries play "high kickbacks"
"Now the annualized interest rate of operating mortgage loans is as low as 3. 15%, and the repayment period can be as long as 20 years. Newly transferred houses and newly registered companies can apply." Recently, many loan intermediaries are keen to recommend various mortgage loans, and the threshold seems to be getting lower and lower.
"If you have a real estate company under your name, you can apply for this business mortgage loan, and the loan amount can be about 80% of the real estate assessment price. If you don't have the real estate license, we can sign an agreement first and then lend you money to repay the mortgage, and then return it to the company after your loan is successful. If there is no company under the name, we also provide a' one-stop' service for registered companies. " Manager Chen of a financial and credit intermediary company in Shenzhen told reporters.
In fact, the manager's "words" are not unfamiliar, but she stressed, "Don't worry, we have completed all the information for the bank, and we are guaranteed to get the loan, and the bank will give us a rebate without any service charge. Not only that, if you bring a friend to apply for a mortgage loan, there will always be a 20% high return rebate after the loan is successful. "
Regarding the use of the loan funds, Manager Chen also said that he would do a good job of proving the relevant use for customers, and whether to take it to repay the mortgage or even buy a house would not be "investigated".
The repayment period of 20 years is equivalent to a normal mortgage. Manager Chen stressed that all loans were applied through the four major state-owned banks, but the reporter consulted the individual loan managers of several banks and got the answer that they had not operated mortgage products for such a long time. At this time, Manager Chen also said that it is still necessary for the lender to "sign" once every three years, but it does not need "bridge funds", which is very convenient and saves money. When the reporter came to the Wang Di Building in Luohu District where the manager was located, she was also very cautious. She needs the reporter to prepare all the information before she is willing to show the documents related to the loan.
Recently, similar commercial mortgage loans can be described as various, especially consumer mortgage loans, credit mortgage loans, early purchase of houses and even "three mortgages" combination loans. The houses purchased in advance can even include faster houses. These credit intermediaries will mention when selling: Please seize the opportunity of the current "recovery" of the property market.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the so-called "recovery" signal has appeared in the property market in some places recently, and the mortgage policy has been relaxed, but it is absolutely not allowed to "exploit the loopholes". Credit intermediary companies are similar to "enthusiastic" sales promotion, which is definitely not a free lunch for buyers and needs high vigilance.
Strengthen supervision
A borrower was sued.
Operating loans have been frequently flowing into the real estate market in a secret way, mainly due to low interest rates, long term and regulatory issues.
"Strengthening the internal management of banks is an important prerequisite for rectifying the chaos of commercial loans," said Li, chief researcher of the Housing Policy Research Center of Guangdong Urban Planning Institute. "One of the main reasons why business loans can flow into the property market and pass the credit review is that the financial managers and account managers inside banks cooperate with external financial intermediaries (small loan companies, private equity funds, investment and financial platforms, housekeepers, etc.) and real estate agents, * * * with the withdrawal of funds."
The reporter also found that at present, banks have strengthened the examination and approval of loan applications for related businesses. A person related to the loan business of a large state-owned bank said that the bank will adopt a stricter compliance approval process for the application for early repayment of loans suspected of replacing mortgages with operating loans. Recently, the bank has also intensified its internal self-inspection, and once problems are found, it will recover the illegal loans.
Some banks put forward higher requirements for the situation of real estate and the running water of enterprises. Some bank account managers said that they would not accept business-related loans for the time being if there were outstanding mortgages. Some insiders also said that after obtaining personal information such as customer loan information, some loan intermediaries leaked and sold it to others to obtain illegal benefits without the customer's knowledge, and even defrauded the loan after the customer's loan, which seriously infringed on the legitimate rights and interests of consumers.
On March 1, Guangzhou Intermediate People's Court announced that a borrower had changed the purpose of the loan without authorization in violation of the contract and used the operating loan to pay off the mortgage, and was sued by the bank to the court. The verdict is that the bank won the case, and the borrower needs to pay off the business loan in advance, otherwise the property will be auctioned. The judge of Guangzhou Intermediate People's Court said that operating loans are financing service products launched by banks and other financial institutions to solve the business needs of small and medium-sized business owners or individual industrial and commercial households, and borrowers should use the loans for production and business activities as agreed. The Civil Law stipulates that "if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract."
Since February, the supervision of housing-related loans has been continuously strengthened. At the beginning of February, Shenzhen Real Estate Agency Association issued the "Solemn Reminder on Prohibiting Real Estate Agencies and Employees in the City from Participating in Illegal Use of" Operating Loans ",and it is forbidden for loan intermediaries, financial intermediaries," shadow "intermediaries and other institutions and individuals from different places to participate in illegal use of" operating loans ". Liaoning Banking Insurance Regulatory Bureau also issued the "Risk Tips for Repaying Loans or Lending in Advance" to remind illegal loan intermediaries to induce consumers to settle their mortgages in advance by borrowing bridge funds on the grounds of low interest rate, long term and fast lending, and then apply for credit loans and business loans to return the bridge funds in order to obtain high intermediary services and bridge fees.
In addition, the People's Bank of China and the Banking and Insurance Regulatory Commission of China held a forum for some commercial banks on February 9 to solve the problems of difficult prepayment of mortgage loans and long appointment time. In view of the illegal use of operating loans and consumer loans by some borrowers, the People's Bank of China and the China Banking Regulatory Commission require commercial banks to continue to do a good job in pre-lending and post-lending management and strengthen risk warning; The regulatory authorities will intensify inspection and punishment, promptly investigate and deal with illegal intermediaries, and publicize typical cases.
Seize the stocks with continuous daily limit.
In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.
Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.
As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.