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谨防“首付贷”换马甲卷土重来

2017-09-06 06:56:49   中国经济网

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”。据媒体调查发现,仍存在部分房产中介违规协助提供“首付贷”,假借“信用贷”、“消费贷”之名活跃在二手房交易市场。

网民指出,“首付贷”产品推高了居民购房杠杆,削弱宏观调控政策的有效性,加剧了房地产市场的风险,影响金融稳定。对“首付贷”类业务须重拳整治,警惕部分消费贷变相涌向房地产市场的风险。

“首付贷”披马甲潜行

网民“董希淼”指出,今年以来,国家对房地产领域执行严格的调控政策,银行房贷业务“量缩价升”。但同时消费类贷款上升较快,不排除有一部分消费贷款变相涌向房地产市场的可能。与此同时,一些互联网金融平台的资金也有很大可能进入房地产市场。

网民“红毛掌波”表示,目前还有一些平台将类似产品换上信用贷款、抵押消费贷款等“马甲”后,用于支付首付。对于贷出去的钱,理论上银行会要求贷款者提供票据以检查资金流向,但实际操作中很少有银行会检查。即使银行下定决心去查,要把这些钱款的去向完全监管到位本身具有很大难度。

网民“玉树”认为,首付贷产品面临根本性风险在于畸高杠杆带来的巨大风险。这一产品使得购房者零首付就可以购房甚至投机投资炒房。一旦房价下跌或购房人收入不稳定,购房者特别是投机性购房者的资金链立马断裂,风险马上就会爆发。

多举措整治“首付贷”

网民指出,整治“首付贷”要重拳出击,首先应明确要求银行、中介机构等正规机构不参与其中。银行应加强对客户首付资金来源的监控和关注。

网民“东方紫轩”表示,从商业银行入手,防范“首付贷”带来的高杠杆风险,是整顿“首付贷”的有效手段。央行和银监会可以要求商业银行加强放贷资质审核,将首付款来源作为贷款发放的一项条件。甚至可以“窗口指导”,要求首付款不是自有资金的,一律不得发放房贷。

网民“懒懒君”认为,对于变相开展“首付贷”类业务的机构,一经发现将依据相关政策和行业自律公约,将线索移交监管部门处置,同时建立黑名单制度。还可以建立监管长效机制;另一方面,各地区的行业协会也应起到积极作用,通过行业自律、自查等方式进行排查;互联网平台也应加强经营合规性。

(记者 李奕蕾 整理)

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