But as the old saying goes, the ways to make money quickly are written in the criminal law. This kind of behavior may be suspected of breaking the law and pushing itself into the abyss of crime. The so-called "zero down payment+mortgage loan" model is a common violation in finance-one thing and two loans, that is, using one collateral to achieve the purpose of two loans. The first loan is a mortgage-free loan provided by the seller to promote consumption. A certain amount of money can be obtained by loan for a certain period of time, but generally speaking, the economic strength of car buyers will be evaluated, but intermediaries will often cooperate with the car buyers with weak economic strength they are looking for, use their psychology and provide false information to hide manufacturers and banks. The second loan is to mortgage the vehicle to the bank after buying a car, but only a certain percentage of the loan can be obtained. Such a loan operation mode will lead to the repayment of loans by car buyers far higher than the value of the purchased vehicles.
The final outcome is likely to be that you can't get a car and have to pay off huge debts. The repayment amount may be more than ten times the money you actually get. If you don't pay back the money, it will involve illegality and fraud. The punishment for fraud in China is very heavy. Don't think that you just made some false materials, but you didn't think that you actually violated the criminal law and constituted a crime. Generally speaking, whoever cheats from 3,000 yuan to 10,000 yuan shall be sentenced to fixed-term imprisonment of not more than five years and fined from 20,000 yuan to 200,000 yuan; Those who spend more than 1 10,000 to110,000 yuan will be sentenced to 5 to 10 years in prison and fined 50,000 to 500,000 yuan; Those who are more than 500,000 yuan may be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and may also be fined not less than 50,000 yuan but not more than 500,000 yuan or have their property confiscated.
Finally, there is something to say: we must beware of intermediaries, especially the attractive conditions put forward by intermediaries. In fact, there is often a huge price hidden behind seemingly attractive things, which is often unbearable for ordinary people. Don't ruin your life for a little profit. There are no shortcuts in life. You need to be down-to-earth and take one step at a time to succeed. If you encounter a similar intermediary, you can report the case to the local public security department and provide corresponding evidence to protect yourself and others from infringement.