Two, in the name of personal housing mortgage loans to obtain enterprise production and operation loans;
3. Participate in bank creditor's rights replacement or enterprise reorganization without real and legal transaction basis by means of personal housing loan;
4. Bank loan officers collude with enterprises, the price of houses for sale is high, and a high proportion of personal housing mortgage loans are issued to virtual borrowers or borrowers who have no real purchase behavior;
5. The borrowers all buy houses falsely, some have unknown identities and addresses, some are migrant workers, or are arranged by developers or contractors;
6. Developers and property buyers collude to avoid the policy restriction of zero down payment. After the actual selling price is increased by a certain percentage, it is stipulated in the sales contract, and then a receipt for the down payment is issued to the purchaser.
Both parties shall handle the loan formalities according to the false selling price agreed in the house sales contract and the mortgage ratio required by the bank. Take this fake mortgage as an example. In fact, the buyer didn't pay a penny down payment to the developer, but the bank had to provide the buyer with a loan of 100% of the total house price.
Extended data
Cause harm:
1. Fake mortgage will affect the government's decision on the real estate market. The phenomena such as the enlarged transaction volume, the increase of real estate investment, the substantial increase of real estate credit and the false prosperity of the real estate market will affect the decision-makers' judgment on the real estate market, thus affecting the deviation or aimlessness of the relevant policies issued by the government.
2. Fake mortgage loans will breed illegal and criminal acts such as job occupation, bribery and so on. Because fake mortgage can bring direct benefits to developers, real estate sellers and bank credit managers, it will breed illegal and criminal acts such as job occupation and bribery.
3. Fake mortgage will seriously affect corporate reputation. Once the fake mortgage is exposed, the reputation of real estate development enterprises will be hit hard, and their reputation will be seriously affected, which will have a very adverse impact on their later operations.
4. Fake mortgage seriously destroys the financial order and will induce crime. According to Article 193 of the Criminal Law of People's Republic of China (PRC), the perpetrator used fictitious loan reasons, false documents and other means for the purpose of illegal possession to defraud banks or other financial institutions of a large amount of loans and take them for himself.
Baidu encyclopedia-fake mortgage