Couples in Ji'nan divorce the property market for the purchase of new property.
, "divorce can buy hundreds of thousands of houses, why not?" After intense ideological struggle, Ji'nan white collar Xiao Yao and her husband decided to divorce for a big house and then remarry. When housing prices are high, the two suite policy tightens, and a few people who choose to buy houses on the ladder choose the idea of a fake divorce.
9 yuan to buy a house province 180 thousand
Xiao Yao is a typical step family house: two years ago, the loan bought a small family of 50 square meters, this year the plan to have children, found that the house is not enough to live, she wants to change a big house. She calculates that 90 square meters will be enough for two rooms, but the price is seven thousand or eight thousand yuan per square metre, and the down payment is 50%.
Yao told reporters, she told a reporter, she calculated an account, a set of 90 square meters of the house according to 600 thousand yuan, according to the two suite, the first payment to 300 thousand yuan, leave the marriage property to their own, and then the husband's name to buy a house, single first set, down payment of only 120 thousand yuan. "This saves 180 thousand, not the interest on loans, which is our two or three year's salary. Divorce is only 9 yuan. What do you think is appropriate? "
embarrassing ladder house
two suites policy tightening, the bank according to the loan calculation two suites, as long as the loan to buy a house, and then buy a 50% first payment, the interest rate up to 1.1 times. The purpose of the policy is to fight speculative speculation, but it blunting the gun and accidentally injure a ladder buying family like Xiao Yao. Under the so-called policy, there are countermeasures. "False divorce" has become the only way to evade the policy of wage earners.
Mayan intermediary's Miao manager told reporters that the false divorce was a choice for a few buyers. They had the demand for buying a house but could not afford the high down payment and loan of the two suites, and the cost of divorce was very low.
the difference between the first suite and the two suite is the down payment and interest rate, and the down payment can save up to 30%. The bank staff gave the reporter an account, if the loan was 500 thousand yuan and 30 years, the interest rate was about 470 thousand yuan according to the base rate of the first suite 15% off, and the interest was about 640 thousand yuan, and the difference was 170 thousand yuan according to the 1.1 times of the benchmark rate of the two suite.
"will you divorce for the sake of buying a house?" This is a hot topic in many forums in the near future. This has been a network survey, more than 4000 netizens participated in the survey, that "may buy a house false divorce" accounted for 17.92%, "sure will" account for 19.81%, "do not know" 4.25%, "no" is still the majority, accounting for 58.02%.
the bank found that the possibility of recovering the loan
"false divorce, really buying a house" is not without risk, which is hidden in a great moral hazard. According to the law, there is no "false divorce", the completion of the legal process is true divorce, "false divorce" based on the trust of both husband and wife, and if false, it is not worth the loss.
, on the other hand, banks have begun to strengthen the screening of this situation. Mr. Zhang, the head of a loan officer at a bank in Ji'nan, told reporters that, from a bank point of view, the "false divorce" is not a good distinction. All the material provided by the customer will not show the intention of divorce and difficult to obtain evidence. However, the bank has noticed this situation. After the loan, the bank will conduct a return visit and spot check. In the loan contract signed by the bank and the customer, it is clearly stipulated that the customer may not hide and forgery information. Once the bank finds this "false divorce", the bank has the right to return the loan to the customer, or to fill up the first payment of the interest.