But banks can't visit every suite. The mortgage certificate is made by the loan company and the appraisal company together, and the customer only needs to pay them some benefits.

In the past, the most common way of "zero down payment" was to raise house prices. For example, a set of 2 million second-hand houses in the inner ring, if it is the first self-occupied ordinary house according to the regulations, the loan needs a down payment of 20%, which is 400,000 yuan. But at this time, the intermediary will "join hands" with the so-called loan companies and evaluation companies to raise the house price by at least 20%, such as 2.4 million yuan.

Then, the owner produced an original receipt of "20% down payment received = 480,000 yuan". Through the "efforts" of the loan company and the intermediary, the bank can lend money when it sees this original, and the total loan amount suddenly becomes 6.5438+0.92 million yuan, and the buyer basically realizes the "zero down payment".

This is an illegal operation method.