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消费贷款变房贷(Consumer loans change mortgage)
Source: Jinyang - Yangcheng Evening News draft selection: Min Ming
By forging trade contracts, filling in false invoices, and even providing only copies of the information, they can take home mortgage consumer loans from banks, instead of buying their own down payments or investing in the stock market...... Yangcheng Evening News reporter found several days at the Bank of Guangzhou Town, such violations have recently gained momentum, the strict control of a mortgage under the background of water tunnel.
Bank consumer loans
Water was so close:
The fake contract is arranged by me
How do you use your money?
National 4. 17 new property market has been introduced in March, the China Banking Regulatory Commission recently reiterated that banks should strictly enforce the policy of two sets of mortgages and more. Yangcheng Evening News reporter visited the bank found, two suites and three suites loan indeed received a tight, but apply to consumer loans to help borrowers decoration, buy appliances such as still, such loans money, banks monitor strict, individual bank audit loose, to make part of the funds into the property market the opportunity.
- - Loans dont ask whereabouts
A state-owned bank in Guangzhou branch, the reporter saw the consumer loan approvals required data, including proof of identity, proof of income, real estate license, pay water, etc. at the same time in the proof of assets, apply for debit must submit loan used to prove the original. Reporter query procedures why so complicated? One staff member said: the CBRC will check it every month.. He then added: borrowers have the duty to cooperate with the Commission to review, at least on the surface to meet the requirements, as you will loan transfer to the designated account, the money will flow to where we can not take care of.
- dot com is different
The same bank, different outlets may have different practices. Is to promote unsecured loans are credited to send the
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