Since the beginning of the year, the supervision unit has paid special attention to the capital flow of banks, and both the capital flow of banks and the source of down payment for residents to apply for mortgages have been strictly examined. Guangdong province alone has investigated and dealt with the phenomenon of misappropriating more than 200 million yuan of loan funds, and this number may increase with the deepening of the investigation in the future. The government's regulation of the property market is indeed getting stricter and stricter. Last year, only housing enterprises and banks were controlled, and this year the control target turned to individuals. Everyone who applies for a mortgage has been strictly investigated, and the space for real estate speculators is getting smaller and smaller.
Moreover, in order to cool down housing prices, the government began to take various measures, not only to increase land supply, but also to vigorously promote the right to rent and sell, hoping to reduce the phenomenon of housing price speculation through this method.
References:
Lawyer of a law firm in Hangzhou explained:? The Contract Law stipulates that the lender may inspect and supervise the use of the loan as agreed, and the lender has the right to stop lending. If the borrower fails to use the loan according to the agreed purpose, the lender may stop the loan, recover the loan in advance or terminate the contract. This means that banks have the right to recover loans in advance as long as they find that credit funds have been misappropriated for real estate speculation. If the bank suffers losses and fails to repay the corresponding loans within the time limit, it will also affect personal credit information; If the circumstances are serious, it may be suspected of loan fraud or even loan fraud. ?