“i was tied to a loan mortgage of $5,000 when i bought a used room. The broker stated that as long as the second-hand house was purchased, the cost was a `speculation' and was all due.” ms. Child citizen, who had purchased a second-hand house in changsha in the previous period, expressed concern about the news that the bank would conduct a special treatment of loan intermediaries and wondered whether her situation was reasonable。
In recent days, the board has issued a circular on special governance of unlawful loan intermediaries, known as the circular, which has been operating for six months since 15 march. In the case of banking financial institutions, the circular first requires them to initiate self-inspection, to explore and report in a timely manner leads to illicit lending intermediaries。
The circular also emphasizes that banks should increase their self-interest in obtaining clients, strictly prohibit the active transfer of “financial services” to lending intermediaries, avoid problems such as the ownership of markets by lending intermediaries, higher financing costs for cooperative operations, increased risk transfer across industries and the inclusion of brokers who induce borrowers to apply for loans in violation of the law, including blacklists。
Buy a second-hand loan
He was tied to a mortgage fee of $5,000
“i say there are people in the bank who can do the loan themselves, and don't want to pay for the loan. But the broker said there was no cooperation with the bank and the landlord i was looking for would not be relieved.” ms. Citizen child told journalists that, as a result of the payment of intermediary fees and down payment at the time, one party had paid $5,000 in fees for the loan, after bargaining。
Red network journalists have learned that in the trading market for second-hand houses in changsha, citizens buy houses through real estate intermediaries and, in addition to paying middlemen's commissions, pay mortgage loans to mortgage companies, which are usually charged at the rate of 1 per cent to 3 per cent。
The purchaser informed the journalist that, at the time of entering into the second-hand house transaction, it was easy to sign the contract for the loan service in the bag because of the high number of signatures。
Moreover, some second-hand house brokers, in order to avoid complaints from buyers, charge mortgage fees through affiliated companies, which are inextricably linked to second-hand house brokers。
The buyer can contact the bank directly
There's no middle-rate margin on the loan
One house purchaser who wandered around the second-hand room and the new room said: “although it is said that the second-hand room is what it is, it is not cost-effective to know that the extra money is paid first”
Usually, second-hand buyers pay a tax of 1 per cent to 2 per cent (4 per cent of the three sets of deeds), an intermediary fee of 2 per cent and a tax of 2 per cent on property that is not the only five. In addition, a mortgage fee of 1 per cent to 3 per cent is required. This also means that the second-hand house transaction is significantly higher than the new house transaction tax。
So, do second-hand loans have to go through mortgage companies, loan companies
Journalists consulted the chang shado banks and learned that if people need to purchase second-hand homes for mortgage services, they can contact the bank's client manager directly and no additional fees are required. Moreover, it is not difficult to process loans once the information is available。
Some home buyers who have been successful in fighting second-hand house intermediaries have indicated that the second-hand house is currently a buyer's market and can be contracted with strong demands for their own loans without a margin。
However, there are also banks that obtain a bulk of their clients through intermediary channels and citizens who indicate that when signing with the bank, they note that the intermediary has fixed working places even at the internet site。
It's hard to tell from "ligu"
Regulation of special governance actions for illicit lending intermediaries
“does the owner need to be revolving so that he can apply if he meets any of the following conditions? Regular bank lending, high amount, low interest, fast lending...”
Compared to the mortgage charges for the second-hand house, which are clearly priced, some citizens indicated that they often received telephone calls and text messages from their bank staff claiming to have contracted loans at very attractive rates. Some cautious citizens are afraid to try, afraid to “windle”。
A number of banks in changsha noted a similar situation. “it is likely that the citizens who have received a person claiming to be a bank or a member of the department of loan channels are not our staff.” a bank practitioner told journalists that his bank had begun to deal with illegal lending intermediaries last year。
In response to the fact that the “li ging” “li” “li” is incontrovertible, that some of the irregularities have induced consumers to “cross the bridge” and repair letters for loans, etc., the hunan bank insurance inspectorate recently issued a risk alert for loans in the name of the bank, in which the unlawful elements impersonate bank staff and attract, induce consumers to handle car loans, mortgages, renovations, etc., in order to earn high fees or commit offences such as loan fraud. The hunan bank insurance supervisory authority alerts the general public to risk prevention and to conduct lending operations through formal banking networks and channels。
