False mortgage loan refers to a way that employees and other related parties of the unit pretend to be customers and obtain bank credit funds by means of false sales (purchase) without real purchase purpose.

Expression form:

First, the buyer is false and buys a house in the name of others for profit;

Two, false sales transactions, developers or others use false transactions to defraud loans, accounting for the existing. This is the most typical form of false mortgage loan at present;

Three, repeated transactions, through repeated use of housing sales contracts or take the form of multiple sales of a house, to obtain multiple loans;

Fourth, the down payment is not true. Developers or intermediary companies collude with buyers to avoid down payment policy restrictions, increase the actual selling price of real estate or increase the purchase area, and then apply for mortgage loans to obtain high loans;

Five, the house is fake, the developer or individual fictional purchase contract, buy a house that does not exist, and obtain a loan to support the enterprise or occupation started by the individual;

Six, false use, transfer the loan funds to personal accounts, or to repay corporate loans.

The ultimate goal of false mortgage loans is not to buy a house, but to defraud bank credit funds in the name of buying a house and make profits for enterprises or individuals. Therefore, false use is the final expression of false mortgage.

Two, the use of false transactions in the bank financing loans.

This is an illegal act. First of all, it is illegal to carve the official seal privately. Secondly, it is illegal to forge contracts and use fake invoices. Finally, it is illegal to borrow money from a bank with a fake contract. If the company breaches the contract, it can bear criminal responsibility.

Three. Please explain what specific risks the bank can reduce if the company agrees to use the following protective terms for loan financing:

Analysis:

Four, the use of false transactions in bank financing loans.

This is an illegal act. First of all, it is illegal to carve the official seal privately. Secondly, it is illegal to forge contracts and use fake invoices. Finally, it is illegal to borrow money from a bank with a fake contract. If the company breaches the contract, it can bear criminal responsibility.