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京城楼市首付贷卷土重来 银行被指对此“睁只眼闭只眼”

2017-09-05 07:06:53   中国经济网

在环北京的河北地区,“首付10%、开发商垫资”等违规促销也公然回归

■本报见习记者 刘 萌

去年下半年,央行等七部门出台新规,禁止房产中介提供“首付贷”。本轮房产调控,禁止“首付贷”的监管态度也被重申。然而,《证券日报》记者近日调查发现,在北京地区,仍有房产中介违规协助提供首付贷。为了掩人耳目,还引入了合作的担保公司,并假借“信用贷”、“消费贷”之名继续活跃在二手房交易市场。

同时,在环北京的河北地区,“首付10%、开发商垫资”等违规促销方式再次“光明正大”的回归大家的视线。

首付贷再现

房产中介卷入其中

近日,《证券日报》记者以购房者身份,暗访调查了北京地区不同地段的多家房产中介,发现了不少违规现象。

记者佯装购房人,并向房产中介询问,“我看中的房子,首付还差一些,能否提供垫资或者首付贷服务?”

面对记者的问题,一家房产中介的工作人员表示:“没问题,可以提供,但还需要了解一下具体情况再看怎样操作。”

在本报记者表示名下没有房产,大概需要垫资100万元左右时,上述工作人员表示:“名下没有房产的话就需要做信用贷款了,我们和多家银行都有合作,您的情况可以考虑分别和四家银行申请四笔信用贷,每笔不超过30万元就可以。贷款时限最长五年,利息在5.5%左右,除此之外,每笔贷款还需缴纳5000元手续费。手续费是交给我们合作的担保公司的手续费。”

本报记者随后询问,贷款人的工资流水、社保等材料是否需要提供,以及这样操作是否有风险时,这位工作人员表示:“不用提供,只要您征信良好就可以。需要注意的是,这几笔信用贷款需要同时申请。”

房产中介的工作人员还提醒本报记者:“如果银行询问您的资金用途,不要提买房、付首付。同时贷款到账后需要先取现,存到其他银行卡再用来购房,这样银行查不到您的贷款用途。”工作人员还补充道:“其实银行工作人员也知道贷款用途是购房,毕竟从我们中介走手续的贷款人都是买房的,只要您不自己挑明,就没有问题。”

在另一家房产中介,面对相同的问题,工作人员也给了类似的回答。与询问第一家房产中介不同的是,本报记者向中介人员表示名下有房产,购房首付还有50万元-100万元的缺口。

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