1 How to effectively prevent "fake mortgage" loans The so-called "fake mortgage" of personal housing loans refers to the behavior of developers who take their employees and other related parties as buyers, pretend to be customers, and obtain bank loans through false sales (purchases). Compared with real estate loans, mortgage loans have the advantages of simple approval procedures, low interest rate, long repayment time and no need to accept post-loan supervision from banks, which is a simple and easy financing method for real estate developers. It is also a means to sell unsalable houses and uncompleted residential flats, which is very harmful to banks. Fake mortgage generally occurs in weak real estate developers or projects with defects and poor sales, and the loan risk is great. 1. Fake mortgage loans mainly have the following seven forms: 1, insider loans. 2. External loans. 3. Forge the lender's information. 4. The developer shall uniformly share the down payment or repayment. 5. Raise property prices and deliberately create "zero down payment". 6. Malicious repeated sales, after-sales arrival, after-sales arrival. 7. Virtual transaction facts transfer credit funds