For the majority of property buyers, everyone will apply for personal housing loans when buying a house, and gain the ability to buy a house in this way. If a person does not have the ability to repay the loan, he is not eligible to apply for a personal housing loan. When banks encourage people to buy houses through so-called relay loans, this behavior itself violates professional ethics and is even more suspected of illegal operation, which is also the main reason why relay loans attract many people's disgust.

What is this thing?

This is news about personal housing loan. Some banks in Guangzhou launched relay loans. For those who can't apply for personal housing loans, it can be achieved by binding the income of parents or children. In other words, some banks in Guangzhou are inducing people to apply for personal housing loans by inheriting their fathers' debts. One day after the product was launched, the relay loan has been suspended.

The response of relay loan in the market is very poor.

When you saw the so-called relay loan launched by the bank, what was your first impression of relay loan? By hook or by crook The reason for saying this is mainly because banks ignore their own loan risks, but also induce those who can't handle mortgage loans to apply forcibly. Not everyone knows the responsibility behind applying for a personal housing loan. If a person applies for a relay loan, this person may not be able to repay the mortgage normally, but the bank will also blame the buyers for the overdue mortgage, which is extremely irresponsible.

Relay loans should be completely banned.

Although some banks have cancelled relay loans, there are still behaviors that induce users to apply for personal housing loans in the market. Personally, although we want to stabilize the real estate market, we need to be more responsible for those who just need to buy a house. We can't induce them to buy a house at the expense of their family happiness.