What are the subjects of fake mortgage loans?
(1) The borrower is an associated person.
1. Most members of a family buy houses. Developers apply for loans for buyers by themselves or other family members, relatives and friends, such as parents, wives and children. In a housing loan applied by a developer, multiple borrowers have the same surname, or a couple's family buys houses separately.
2. More employees in the same company buy houses. That is, developers apply for loans as buyers in the name of employees or their families, and the work units filled in by borrowers are often real estate development companies or affiliated companies.
3. Developers buy houses in their own names and apply for loans. Joint-stock companies apply for loans on the grounds that each shareholder buys a house.
(2) Unrelated retail mortgage. In order to avoid the on-site inspection of loan files by loan banks and regulatory authorities, the means and level of fraud by developers are constantly changing and gradually improving. The main characteristics of fake mortgage loans for unrelated retail investors are hidden. Some real estate development companies pay social workers to handle fake mortgage loans. For example, during the inspection, we found that the developer paid a loan to each household in 300 yuan to a fake buyer.