Credit card overdrafts, forgetting to pay mortgages...many people have bad personal credit records due to late repayments. There are many intermediaries on the market that remove bad personal information. However, most of these intermediaries are scammers. Not only can they not erase the stain on personal credit, but they will leak personal information.

Recently, Mr. Cai, who lives in Shanghai, was unable to apply for a loan because he had an overdue credit card payment record. In desperation, he found Xu, who claimed to be able to eliminate credit stains on his behalf. Xu said that he had relatives there. When working in a bank, as long as a report is made to the central bank through connections, it will be said that there were errors in the previous records in the submission, and then we will find a way to delete the bad credit records. But the premise is that there is a "management fee."

In order to get the mortgage loan as soon as possible, Mr. Cai successively paid Xu 20,000 yuan. A month later, Mr. Cai's record of overdue repayment was still not eliminated, but Xu disappeared.

Comments: Personal credit information is transmitted from commercial banks and other institutions to the personal credit information database of the Central Bank Credit Information Center through dedicated lines. All links have strict management systems, and the data is processed by computers without human intervention. Therefore, the statement that "you can eliminate your bad credit record by spending money" is definitely a lie.

From falling house prices in most cities to rising house prices in most cities, in more than a year, China's property market has completed another round of rising and falling games. A report recently released by the institute shows that as of the end of July, the average house price in the 100 cities it monitors has increased month-on-month for 15 consecutive months, and the year-on-year increase has also continued for 12 months.

During the period, housing prices in Shenzhen increased the most, up to 41%; five cities including Huizhou and Dongguan increased by more than 30%; seven cities including Hefei and Zhongshan increased by more than 20%; and compared with the same period last year, the number of newly built residential properties Prices fell in 38 cities. Among them, Sanya, Jilin, and Taizhou fell by more than 5%, and 14 cities including Shenyang and Taizhou fell between 2% and 5%. In addition, the property market in cities such as Handan, Urumqi, Xiangtan, Taiyuan, and Harbin was relatively stable. At present, the average house price in these cities is relatively low, below 8,000 yuan/square meter, and the year-on-year increase or decrease was within 1% as of the end of July.

Comment: This year, the real estate market in major regions across the country continues to be hot. Although various cities have successively implemented regulations, housing prices remain high. Will the real estate market bubble intensify in the second half of the year?

(The above answers were published on 2017-02-22, please refer to the actual relevant current house purchase policies)

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