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京城首付贷违规再调查:个别中介称可“团购价贷款”
2017-09-12 07:13:27 中国经济网
该中介人员还多次叮嘱本报记者,如果您是“卖一买一”的换房一族,一定要先申请贷款再卖房。该人员还一再保证,信用贷不上个人征信,不会影响后期的住房商业贷款。
在上述房产中介其他区域的另外几家门店,工作人员也给了本报记者类似的回答。本报记者表示想了解一下合作的银行是哪三家,自己去咨询时,一位自称是金融专员的工作人员告诉本报记者,“您自己是申请不到这个利率的,这是银行给我们的‘打包团购价’,您自己申请的利率最少也要8%以上”。该人士还表示,中介协助只需要收取贷款金额2%的手续费,折合到5年的还款周期没有多少钱。此外,尽管本报记者一再追问,中介的工作人员始终不愿意告知合作的银行是哪三家。
《证券日报》记者在暗访过程中也询问,本月5日和8日下发的监管通知对贷款是否有影响时,却得到了“没影响”的回答。
不过,并非所有的中介都与上述中介一样坚持“顶风违规”。在本报记者本次走访调查的另外几家房产中介,工作人员直接拒绝了记者的要求(在记者本月第一轮走访中曾表示可以办理),并表示,公司明确规定不得协助客户办理信用贷、消费贷等用于首付,如果客户跳过中介自己去银行申请,还可能会影响后期申请房贷。
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