The property market is warming up credit intermediaries to play "high rebate"?
In recent times, many cities have heard the news that the property market is warming up. However, along with the sound of the property market rebound, credit chaos is also active again, low interest rates, low threshold, high rebate? A variety of loan names and marketing methods hidden risks, home buyers still need to be vigilant. The following editorial brought the property market rebound credit intermediary to play "high rebate", I hope you like.
Credit intermediaries play a "high rebate"
"Now the operating mortgage annualized interest rate as low as 3.15%, the repayment cycle can be as long as 20 years, and just transferred the house and just registered the company can apply for. ." Recently, many loan brokers are keen to recommend a wide range of housing against the operating mortgage, and the threshold seems to be getting lower and lower.
"If you have a company with real estate in your name, you can apply for this business mortgage, and the loan amount can be about 80% of the appraised value of the property. If the real estate license is not in hand, we can first sign an agreement and then borrow to pay off your mortgage, and then return to the company after your loan is successful. If there is no company in the name, we also provide registered companies 'one-stop' service." Shenzhen, a financial credit intermediary company Chen manager told reporters.
In fact, the manager of the "words" has not been unfamiliar, but she emphasized, "to the bank's information you can rest assured that we are all done to ensure that the loan can be loaned down, and we do not charge any service fees, the bank will give us a rebate commission. Not only that, if you bring friends over to apply for business mortgage, all have a loan success after generating income of 20% high rebates."
For the use of loaned funds, Chen also said he would do a good job for customers to prove the purpose, whether it is to take to pay the mortgage or even buy a house, will not be "checked".
The 20-year repayment cycle has been the equivalent of a normal mortgage, the Chen manager emphasized that all loans are applied through the four major state-owned banks, but the reporter consulted with a number of banks, personal loan managers, the response is that there is no such a long period of time operating mortgage products. At this point, the Chen manager also said, or the need to loan borrowers every three years "signature" once, but do not need to carry out the "capital bridge", so it is very convenient as well as cost savings. When the reporter went to the manager of the Luohu District, Di Wang Building, she also appeared to be very cautious, the need for reporters to prepare all the information before they are willing to take out the loan-related documents.
Recently, similar business mortgage can be described as a variety of, especially consumer mortgage, credit mortgage, advances to buy a house or even a combination of "three mortgage", and advances to buy a house of housing can even include foreclosure, and these credit intermediary sales promotion will be mentioned: please grasp the current property market, please grasp the "rebound" of the property market. The company's business is in the midst of a "rebound" in the property market," he said.
Yan Yuejin, research director of the E-House Research Institute Think Tank Center, said that in recent times, some parts of the property market appeared the so-called "warming" signals, mortgage policy has been relaxed, but never allowed to "drill loopholes". Credit intermediary companies similar "enthusiasm" marketing, but also absolutely not a free lunch for home buyers, need to be highly vigilant.
Strengthening of regulation
Borrowers are being sued
Business loans have been flowing into the property market frequently and stealthily, with low interest rates, long deadlines and regulatory issues being the main reasons.
"Strengthening banks' internal management is an important precondition for rectifying the chaos of operating loans." Li Yuja, chief researcher of the Housing Policy Research Center of the Guangdong Urban Planning Institute, believes that "one of the main reasons why operating loans can flow into the property market and the credit layer review can be passed lies in the bank's internal wealth management manager, account manager, and the external capital intermediary (microfinance companies, private equity funds, investment and wealth management platforms, housing housekeepers, etc.) and real estate intermediaries to cooperate, *** with the same to extract funds ."
Reporter interviews also found that banks have now strengthened the approval of related business loan applications. A large state-owned bank loan business related person said, the bank on the suspected use of business loans to replace mortgage early repayment applications, will take a more stringent compliance approval process, and recently the bank has also increased the intensity of the internal self-checking, once the problem is detected will be withdrawn from the illegal loan.
Some banks have put forward higher requirements on the condition of the property and the water flow of the enterprise. Some bank account managers said that if there is an outstanding mortgage, the business loan related business is not accepted for the time being. What's more, some industry insiders said that some loan intermediaries obtain customers' loan information and other personal information, and then disclose and sell it to others for illegal benefits without the customers' knowledge, or even cheat them out of the loan after they have taken out the loan, which seriously infringes on the legitimate rights and interests of consumers.
March 1, Guangzhou Intermediate People's Court issued a news release that a borrower violated the contract agreement to change the use of the loan without authorization, will be used for business loans to pay off the mortgage, by the bank to the court, the verdict was in favor of the bank, the borrower needs to pay back in advance of the borrowed business loans, or else the auction of the property. Guangzhou Intermediate Court judge said, business loans are banks and other financial institutions to address the needs of small and medium-sized business owners or individual businessmen to launch a financing service products, the borrower should be in accordance with the agreement will be borrowed for the production and business activities. According to the Civil Code, "if the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop issuing the loan, recover the loan in advance or terminate the contract."
Since February, the supervision of housing-related loans has continued to strengthen. in early February, the Shenzhen Real Estate Intermediary Association issued "on the city's real estate intermediaries and practitioners are strictly prohibited to participate in the illegal use of the" business loans "solemn tips", prohibited to participate in the loan brokerage, financial intermediary, The Association of Real Estate Intermediaries issued the "Solemn Reminder on the Strictly Prohibited Participation of Real Estate Intermediaries and Practitioners in the City in the Unlawful Use of "Business Loans" by Loan Intermediaries, Financial Intermediaries, Shadow Intermediaries and Other Off-Site Institutions and Individuals". The Liaoning CBIRB also issued "Risk Tips on Early Repayment of Loans or Loan Switching", suggesting that illegal "loan intermediaries" are using "low interest rates", "long term", "fast disbursement of loans", "low interest rates", "long term", "fast disbursement of loans", and so on. "fast lending" as the reason, inducing consumers to borrow "bridge funds" to settle the "mortgage" in advance, and then apply for "credit loans
In addition, in response to the recent reflection of more mortgage early repayment difficulties, appointment time is long and other issues, the People's Bank of China, the CBRC held a forum on February 9 part of the commercial banks, in response to the part of the borrowers in violation of the use of business loans, consumer loans early repayment of the situation, the People's Bank of China, the CBRC requires commercial banks to continue to do a good job in the pre-lending and post-lending management, to strengthen the risk of warnings; the regulator will increase the inspection Penalties, timely investigation and handling of non-compliant intermediaries and disclosure of typical cases.
Grabbing the continuous stop stock
Midline stock selection skills, to do the layout of the medium and long term, you have to look at the current situation of the broad market, you can refer to the broad index of the annual line (250 antenna) and half-yearly (120 antenna), if the trend of the annual line and half-yearly line above, that shows that the current is not a bear market. In front of the national policy, in the case of the stock market market fell across the board, the stockholders do not exist to grab a rebound or choose to buy people, should follow the trend to clear the position and wait and see. If the stock market rises, it is necessary to follow the trend into the medium-term holdings.
Medium-term stock selection should be comprehensively analyzed from six aspects: K-line pattern, technical indicators, relative price, company fundamentals, the direction of the general market, the stock theme. Should give up some of the price-earnings ratio is very high, the price is much higher than the intrinsic value of the stock.
As for how to catch the continuous stop stock? Starting stock price increase of more than 6%; must be "released"; the greater the increase represents the stronger the trend, the more favorable. Stop the key conditions, the opening high open between 2 and 3 points, low open no more than 2 points for the best; down the process can not be released, the release of the volume is suspected of shipping; closing price closed near yesterday's closing price, not to form a gap for the best.