Chain home is questioned usury for buyers redeem contract, real estate delivery risk is magnified 广东省国防工业职工大学

Chain of home buyers questioned usury as ransom lease housing delivery risk is magnified mortgage intermediary underwritten not uncommon to regulate the chain of home questioned "usury" buyers "ransom lease" reporter found a day before, Shanghai City Consumer Protection Committee for trading Shanghai real estate intermediary informed consumers Mr. Huang met in the chain of home buyers in the process of problem has become a hot industry. Yesterday, Shanghai chain home reply, they have issued official response, the details of the follow-up will have a new response. People in the industry, real estate intermediary housing mortgage loaning, accept the "new business model" is a "quasi financial services", enlarge capital risk, should be vigilant. Reporter visited the market found that the financial development of the intermediary industry has become a trend, loaning, mortgage is not uncommon, but the implied risk. This paper, the Guangzhou Daily reporter Lin Lin, Pan Yu case: the case in many places did not replay interpretation according to the report, Mr. Huang in August last year, signed a letter of intent is similar to the intermediary agreement contract with the chain of home. Pay a certain deposit, the chain house said the real estate transaction price of 4 million yuan, 3 million 400 thousand yuan mortgage. Later, chain stores said that 7 of the down payment could make up for that. Mr. Huang said, he put forward with chain of financial supervision, but the chain said they don’t have this kind of practice, only when he signed the housing purchase contract, provisions must be used for the first 2 million 800 thousand yuan to repay bank and personal mortgage. But when the first batch of funds hit the landlord’s account, the landlord put the money for other purposes, resulting in 2 million 800 thousand yuan can compensate for banks and individuals of all mortgages. Subsequently, Mr. Huang and creditor bank, creditor banks said the housing mortgages in March last year has been overdue, in the process of being seized in the house. Chain of home of Mr. Huang said can be underwritten transactions, with the consent of the chain of home underwritten 110 million yuan, but soon the property was closed down, Mr. Huang understood that the landlord companies fail, owed banks 1.5 billion yuan credit loans. Finally, the chain of home for Mr. Huang’s parents 1 million 100 thousand yuan for loaning money to make credit guarantee. Reporters found that the chain of official response to the case announced by the Shanghai Municipal Committee of consumer protection has many places not explained. One is the Consumer Protection Commission case, referred to the buyer funded 280 million loaning foreclosure deed, but the money twice, after the first hit the landlord’s account, the landlord did not put this money mortgage. He put the money for other purposes, resulting in 2 million 800 thousand cannot make up for banks and individuals of all mortgages. In the chain official response, did not make any explanation. The two is the Consumer Protection Commission case in Shanghai, the chain of home made loaning 1 million 100 thousand yuan to the transaction to continue to promote, but in the chain of the official response, did not explain. Three is in the case of Shanghai Consumer Protection Committee, the property was seized by the relevant court, and chain home said: "after the seizure of the house is not closed to us."." For the seizure and unsealing move, the chain of home does not make this explanation. Why didn’t you check the book before 1 questions? A senior real estate personage told reporters, the book for intermediary personnel to discuss

链家被质疑高利贷为买家赎契 房产交付风险被放大   中介垫资抵押不鲜见亟待规范   链家被质疑“高利贷”为买家“赎契”   本报记者发现——   日前,上海市消保委对于上海房产中介的交易情况进行通报,消费者黄先生在链家购房过程中遇到的问题成为业内热点。昨日上海链家回复,他们已发布了官方回应,相关细节问题后续将有新回应。有业内人士提出,房产中介的垫资、接受房屋抵押等“新型经营”模式是“准金融服务”,放大资金风险,值得警惕。   记者走访市场发现,中介行业的金融化发展已成趋势,垫资、抵押并不鲜见,但暗含风险。   文、广州日报记者林琳、潘彧   案例回放:   案件中诸多地方未解释   据报道,黄先生去年8月份,与链家签订了一个类似于意向书的居间协议合同。付出一定的定金后,链家表示房产的交易价格400万元,有340万元的抵押。后来,链家表示首付7成可以把这些弥补上。黄先生表示,他跟链家提出资金监管,但是链家表示他们没有这种做法,他只能在签订房屋购买合同的时候,明文规定280万元必须用于先偿还银行和个人抵押。但是当第一批资金打到房东的账号之后,房东把这个钱挪作他用,造成280万元无法弥补银行和个人的全部抵押贷款。   随后,黄先生和债权银行取得联系,债权银行表示这个房屋的抵押在去年3月已经逾期,房屋处在被查封的过程中。链家对黄先生表示可以垫资进行交易,经同意后链家垫资110万元,但很快房产又被查封,黄先生才了解到房东公司经营失败,欠了相关银行1.5亿元信用贷款。最后,链家要求黄先生的父母为110万元的垫资款做信用担保。   记者发现,链家官方的回应对于上海市消保委公布的案例有诸多未有解释的地方。一是上海消保委的案例里,提到了买方出资280万元垫资赎契,但资金分两批,第一批打到房东的账号之后,房东根本没有把这个钱还抵押。他把这个钱挪作他用,造成280万无法弥补银行和个人的全部抵押贷款。而在链家官方回应中,并未对此做出任何解释。   二是在上海消保委的案例中,链家提出垫资110万元把这个交易继续推动,但是在链家官方回应中,并未对此作出解释。   三是在上海消保委案例中,该房产被相关法院查封,而链家表示:“签后查封的房子不归我们管。”对于这些查封及解封的举动,链家并未对此作出解释。   1   疑问   交易前为何没有查册?   一位资深房地产人士告诉记者,查册对于中介人员来说是基本常识,“一位中介人员如果在成交前不查册,要么是完全没被培训过的新人,要么是极度不负责任,要不就只能推测为是恶意行为了。”   查册就是以房地产的地址、地号、房地产证登记案号、房地产证号之中的任一条件为索引,来查证房地产的权属状况,通过查册可获取房地产的权属人、面积、结构、是否违章、是否被抵押、是否被查封等情况的书面证明材料。业内人士刘先生告诉记者,买家可以通过查册防范房产被抵押的情况的。买家尽可能了解业主为什么卖这套房子。   市民都可免费到房管局查册,业内人士建议最好在签约当天查册。   2   疑问   垫资是否涉嫌高利贷?   黄先生认为链家的垫付资金利息太高,有观点认为这等同于“高利贷”。至截稿时,记者仍未得到链家对案例中提到的“1.6利息”是月息1.6%还是日息1.6%。的回应。不过,记者从某中介行获悉,其垫付资金的利息标准是不高于1.5%的月息。   王欣亮表示:“虽然利息较高,但是应该还没达到高利贷的水平。”他介绍说,由于现在并不知道案例中1.6%是按一次贷款支付还是月息,但是即使是按照月息来计算,年利率也仅为19.2%,虽然高于平时的贷款利率,但是按照最高法院关于借款的司法解释,24%以下的年利率都是受到法律保护的。   3   疑问   中介垫资赎契到底合不合规?   “中介垫资赎契是借钱给你,帮你完成交易,而不会说让你把房子抵押给中介,然后搞得你过不了户,陷入一个死循环。”一位中介人士说,中介垫资赎契的本意只是促成交易,“正规的中介公司基本上会要求自己的中介人员跟所有买家说不要自己垫资避免出现什么风险。”   中介公司如何为买家垫资赎契?举例说明,买家要购买的物业是按揭的,要交易必须赎契,但卖家没有资金能力,就往往要求买家垫付,但买家垫付资金存在风险,需要第三方垫付以降低风险,为了撮合交易,中介公司往往同意垫资,而买家为这部分资金支付一定的利息。   “现在很多中介涉足垫资这块,因为这种业务本来风险就比较小,利润也比较高。对于中介公司而言,很多都是打法律的擦边球。”广东胜伦律师事务所律师王欣亮表示,中介公司可否进行垫资,主要是看经营范围里面是否有融资担保或者小额贷款等业务范围,同时要看签署的合同是以怎样的形式,是以借款还是仅仅做担保。不过,有房地产人士对此反驳说:“垫资赎契不是灰色地带,各个按揭公司都是有资质的。”   “赎契”tips:买物业遇“赎契”需注意的事项   不要用自己的钱垫资帮赎契;赎契是卖家的事,卖家应该想办法跟人借钱。   没过户前,资金要进入第三方监管账户。如果卖家非常强硬,非要买家帮垫资,那就宁可花钱找第三方公司来垫资,第三方公司会去调查和评估业主靠不靠谱,这样花点钱转移风险。   如果业主非常强硬怕麻烦不肯做资金监管,那没过户前也不能给全款,首笔款也不要超过30%。   做资金监管是最无忧的,监管的钱,是必须过户后中介、买家、卖家一起到银行转入卖家个人账户的。或者即使在卖家账户里,也被冻结没三方同意都不能动用。   如果帮卖家垫资,要争取直接给银行,而不是打入卖家的某个私人账户。   不管找按揭公司还是找其他金融机构垫资,都可以货比三家,了解清楚其利率情况再进行选择。   业内观点   房产交易的交付风险被放大   有中介人士对上述案例发表意见:“单看这个案例,问题真不少,一是不查册,二是首付给得太高,三是资金不监管,四是循环抵押,五是贷款不进行比较利息。其实只要买家注意其中一两个,都能避免很多风险。”   媒体首席评论员沈彬在昨日的评论中提出:“垫资、接受房屋抵押等‘新型经营’模式,已经超出传统房产中介‘居间服务’的范畴,正在进行准金融服务,激进地放大了中介行业的资金风险。”他认为,这种垫资活动就是一种“加杠杆”行为,而黄先生称链家的“垫资”利息远高于市场价,有观点认为这就是“高利贷”行为。他提出,房产交易的这种交付风险,应该得到金融监管、房产以及市场监管部门的高度重视。 进入【新浪财经股吧】讨论相关的主题文章:

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