Because the second suite is still under strict control, a few sales staff of real estate helped to find a packaging company to "package" the second suite into the first set, probably because the "credit information system" was not entered in time, or the credit information record was improperly modified, and the bank could not see the previous loan record when approving the loan. The former uses information asymmetry to defraud the buyer of the packaging fee, and the buyer still has the risk of not getting the loan approval; The latter is unlikely, even if the operation is successful, it is also suspected of defrauding bank loans by illegal means.
There are even a few people who use fake divorce to make the second suite into the first suite for the so-called packaging. At present, the trading center and the civil affairs bureau have realized information networking, and fake divorce can no longer be used. You have to be really divorced to buy it. However, once divorced, there are many unpredictable risks.
Fake divorce is totally unacceptable. There is no such thing as a fake divorce in law. When both parties reach a divorce agreement with the Civil Affairs Bureau, go through the formalities and get a divorce certificate, the legal relationship between husband and wife will cease to exist. If one party gives up the real estate and leaves home clean, there will be legal risks of "confusing the real with the fake", and those who "lose contact" will lose money. Even if you remarry, the abandoned property belongs to the other party's premarital property. What's more, in addition to property factors, the act of defrauding bank loans is itself an illegal and criminal act.
Before buying the "second suite", buyers must carefully consider the possible contract risks caused by the purchase restriction policy and the loan restriction policy, and don't believe the so-called packaging company's bluff. It is best to write in the form of supplementary clauses when signing the sales contract that "if the transaction cannot be conducted due to the purchase restriction policy or loan failure, this contract will be terminated and both parties will not bear the liability for breach of contract" to avoid disputes and risks.