"Small Loan Center" helps you lower mortgage interest rates?Expert: illegal, or face fraudulent loan crimes

The Yangtze River Daily Da Wuhan Client July 9th (Reporter Leng Jinghua) Recently, some citizens who were repaying the mortgage reported to the Yangtze River Daily that they recently received a lot of sales calls, claiming that "the previous relatively high mortgage interest rates can be turned into low. interest rate". Experts remind that you should use funds according to your own actual situation. Do not trust the "pie in the sky", let alone illegally use financial products such as loans and consumer loans on housing consumption.

The interest rate of mortgages is "high and low", but it is actually converted to different loans

Recently, Mr. Liu, who has just bought a house, received a call from the staff of a large state -owned bank "assistance center" staff, saying that as long as Mr. Liu has a house in Wuhan The interest rate only requires more than 3 points, which is lower than the 4.8%mortgage interest rate just adjusted now. "1 million loans can save hundreds of thousands of interest."

When Mr. Liu asked about what to do, the staff also said that they were third -party companies, but they could help Mr. Liu pay off the current mortgage, then mortgage the house, and then they help "packaged" to prepare for them to prepare them for them. Good business licenses and other materials are handled by small and micro enterprises' operating loans. However, Mr. Liu said that when you do not want to have a company in the name of himself and his family, the other party also said that the consumer loan can be used by other names, but the annual interest rate is 4%-5%; if the required funds are not much, you can also combine credit loans Essence

When asking "why can't you find a bank directly", the staff member said that banks cannot apply for house purchase by fund loans, consumer loans, etc., and "the down payment for money for mortgage loans." At the same time, the staff of the "assistance center" also stated that because they need to help running legs, agency, etc., they need to charge 1%-2%of points as a handling fee; if they need to pay off the mortgage, they will also pay another fee.

According to Manager Wang of Chainjia Friendship International Store Store, at present, Wuhan's mortgage is two interest rates, with 4.8%and two sets of 5.05%in the first set. "It may be mortgage business loan or mortgage consumer loan."

"Before May of this year, the annual mortgage interest rate has always been more than 4.9%. At present, the first 4.8%of the 4.8%mortgage interest rate has been the lowest in 30 years." A real estate brokerage staff told reporters.

Experts remind: mortgage transfer operation loans and consumer loans are illegal

The reporter learned that operating loans were not new to the property market in disguise by covering mortgages.

In 2021, the People's Bank of China issued the "Notice on Preventing the Flood in the Real Estate" in the field of real estate in the field of real estate in the real estate sector, which required banks to conduct special investigations and strictly prevent the flow of loans from operating loans from nine aspects. The operating empty -shell enterprise issues business loans. The establishment of the company with a short establishment of one year and holding the mortgage property is less than one year.

According to the relevant person in charge of the Wuhan Real Estate Development Association, this "loan exchange" model is essentially to collect operating loans or consumer loans to cover the original mortgage and use interest differences to make profits, but for buyers, but for buyers In addition to paying a lot of handling fees in the early stage, the fund pressure of one -time repayment will be faced after the business loan expires.

Su Guosen, director of the Hubei Tsukolas Law Firm, reminded that the use of business loans to do mortgage is illegal. This operation has multiple risks for buyers. . If buyers cannot return the funds on time, causing a major loss of banks, the bank may use the criminal report of the crime of "deceiving loans", and the buyer may take criminal liability. "

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National mortgage interest rates are generally lowered this year

It is understood that starting from mid -to -late May this year, mortgage interest rates in cities across the country generally began to reduce. On May 15th, the People's Bank of China and the Bank of China Insurance Supervision and Administration issued the "Notice on Adjusting Differential Housing Credit Policy Relevant Issues" stated that "the lower limit of the interest rate of the first house of commercial personal housing loan was adjusted to not less than the corresponding period loan market The quotation interest rate is reduced by 20 basis points. "

【Edit: Zheng Xiaoxiao】

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