Ji'nan: what happens when people buy a house to have a "fake mortgage" when they encounter trouble?
reporter Qiu
"to print my personal credit report to the bank and find someone to borrow my identity loan to buy a house." Mr Fan said that although the stealth "homeowner" paid regularly to the bank every month, it still affected him to buy a house. So far, Mr. Fan has been "loan" for 12 years. To this end, Mr. Fan wants to eliminate the loan as soon as possible and clean himself. Experts believe that this is a typical "fake mortgage", and lawyers say that only prosecution can erase this record. "
inexplicable" loan "for 12 years
Mr. Fan said," a few days ago to prepare a loan to buy a house, the intermediary let me print a personal credit report, the result found in my name there is a housing loan. The bank staff asked me to go to my work unit or the person who bought the loan. If the money was paid back, the bank would cancel my loan.
Mr. Fan told reporters that later he went to a Real Estate Company on the cover of the cover of the cover of the housing loan contract, and the company was not aware of the matter.
Mr. Fan's personal credit report query time is May 27, 2014, the report says "housing loans, never overdue account details as follows: 290000 yuan (RMB) personal housing loan issued from Ji'nan branch, Shandong Ji'nan branch in December 27, 2002, expired in December 27, 2022." As of March 2014, the balance was 167564 yuan (RMB). Mr. Fan said, "this person has paid a certain amount of money every month from 2002 to now."
to Mr. Fan is strange, "the contract was signed in 2002. At that time, my identity card number was 15 in the old version, and I did not change the new version of the 18 ID card in 2006, but the contract was my new ID card number, and the name of the loan contract was not my signature, the hand print was not my print, I suspect it is me The former company leaked my message. " On the 11 day of
, Mr. Fan contacted the reporters again, "the former colleagues also had this situation, and some of them had already dealt with it."
experts say the phenomenon may be "false mortgage"
11 days, the provincial property commentator Zhao Luliang said in an interview, this kind of behavior may be false mortgage. Earlier, developers in order to quickly return to the cage funds, will find a number of identity cards, because the approval is not strict at that time, the developer will be in the name of the housing stock in the name of others to buy the first payment, at this time the bank can lend, developers can instantly return money for his use.
Zhao Luliang said, "there are many such cases before. If "loans", the person can buy a house can only buy two suites, the down payment is 30% more than a flat, loan interest rates are also different.
the lawyer suggested that Wang Xinliang, the director of
Wang Xinliang said, assuming that real estate developers are looking for some identity cards to buy a house, and after lending money from the bank, it is a fraud. Also, if I don't get to the scene, what does the property card do?
Wang Xinliang said, "Mr. van litigant can sue the owners and banks who use his name to buy a house, and if they sue the bank, they are afraid that more things will soon erase the record."
who has used Mr. Fan's name to buy a house? Who leaks information? What is the relationship between the bank and the real estate developer? This is a continuing concern.