Holding a house on behalf of others refers to the act of a purchaser who does not meet the purchase policy or is unwilling to come forward, buying a house at his own expense in the name of a person who meets the purchase conditions, and registering the nominal property owner on the property right certificate. To put it bluntly, it is what we often call an excuse to buy a house. There are two reasons for holding: the first is to avoid the purchase restriction, and the second is to hide the property.

Consignee's risk:

1. The main purpose of signing the agency agreement is to circumvent the purchase restriction policy. It will not only violate the social and economic order, but also endanger the interests of the public, and it is likely to be recognized as an invalid contract by the court. At this point, the rights and obligations stipulated in the agreement cannot be guaranteed by law.

2. Due to the uncertainty of the policy, if the house price or the corresponding policy changes after the restricted sales period, it is very likely that there will be losses.

3. As the nominal owner, the mortgagee can dispose of the property at will. In order to protect the interests of bona fide third parties, the law is likely to destroy the mortgagee's original plan to make profits by selling the house.

Risk of the holder:

1, affecting the preferential policies for housing loans.

2, also from the policy is not allowed. At present, the government is cracking down on real estate speculation. If the relevant policies take measures such as canceling the qualification of buying houses for the suspected holders, the holders will lose more than they gain.

3. In addition, there is another point from the risk of being held by the principal. If the mortgagee disappears within the repayment time, if the mortgagee is unable to repay, it is likely to be blacklisted by the bank, listed by the court as untrustworthy, or even auctioned off.