CCTV Exposure Loan Shady: ICBC List Is Famous

By the end of the year, the bank's money bags have tightened up, and many banks have suspended their loans. In this case, some intermediary businesses are flourishing. These intermediaries claim to help buyers get bank loans quickly.

　　 Bank: loan can find intermediary help.

　　 Bank There is no money to lend, and Guarantee Corporation claims that as long as the customer mortgages the existing house, he can borrow money from the bank. Ms. Li of Beijing recently received several such loan messages.

Ms. Lee came to a commercial bank in Chaoyang District, Beijing. At the information desk, the bank staff told her that the full name of the mortgage is the consumer loan of housing mortgage, the longest loan period is 10 years, and the annual interest rate is 7.86. Customers can directly find the bank to handle the loan, but this kind of loan can not buy the investment, but can only be used for consumption and shopping. After seeing the shopping contract, the bank will directly loan the merchant to the merchant, and the person who loans to the bank is also the shopper and can not get the money.

This kind of mortgage consumer loan is actually a consumer credit line for customers, which can only be consumed and cannot be purchased. And if you want to borrow money, you must provide a high income certificate and bank running water. According to Ms. Lee's calculation of loan 4 million, the monthly income will reach six or more than seventy thousand.

Miss Lee is going to give up. loan At the time of the idea, the bank staff turned around and whispered to her that she could go to Guarantee Corporation to help and give her a phone call from a Guarantee Corporation clerk.

Guarantee Corporation fraud fraud loans total package fee of 10000 yuan

It was originally a bank loan, but the bank staff had to ask the client to find an intermediary to help him, which is really puzzling.

According to the phone call from the bank, Ms. Li found a Guarantee Corporation in Dongcheng District, Beijing, and the salesmen spoke about their relationship with the bank. After talking about the cooperation with the bank, the salesman began to talk about the price. It turned out that they had to collect the service charge for their loan, and it was not cheap.

According to the salesperson, according to Ms. Lee's loan of 4 million, the 1.3% service charge is fifty thousand yuan. Of course, money is not collected. They will help customers find a furniture or handicraft company like the bank, sign a fake shopping contract, and cash out the loan that was originally consumed only.

Not only is cash in hand, but because Ms. Li's income and bank's running water are not enough, Guarantee Corporation has to help her run fake income certificates and bank running water, but she still needs to collect fees.

The clerk explained that the service charge of tens of thousands of yuan was not collected first, but after the loan was granted. In order to prove their company's reliability, she also took Ms. Li to see the wall hanging on the company. Business license There is also a sign of cooperation with another bank. {page_break}

 

　 Reporter survey: banks advise customers to "pack" fake

It turns out that the guarantee method of these intermediary companies is to produce fake contracts, false certificates and cash from bank loans. According to the regulations of the bank, the housing mortgage loan is a kind of personal consumption loan, which can only be purchased and consumed, and it can not be invested. The people's Bank of China and the China Banking Regulatory Commission have issued a number of documents, requiring all commercial banks across the country to strictly manage such loans. They should be earmarked for special purposes, prohibit the use of investment for buying houses and stocks and so on.

According to the bank name on the plaque, the reporter found a branch of the bank to inquire about it. The bank staff said that Guarantee corporation had helped the loan customers to cheat, which was no longer a secret, and the banks were acquiescence.

Is it true that Guarantee Corporation helps customers to cheat and cheat loans? As the bank staff say, is the bank informed and approved? Further investigation by reporters found that it was not only a default, but also some bank staff actively advised customers to cheat and cheat.

It is not enough to get the loan to be used. According to the banking regulations, the borrowers of the mortgage loan need to have enough income and bank water. The reporter found that banks should have refused loans directly to clients who did not meet the loan requirements, but the bank staff still asked them to continue to find Guarantee Corporation intermediaries.

Loan use is not compliance, it has to find intermediaries, income and water is not enough to find intermediaries to solve. In the eyes of bank staff, intermediary seems to be a good helper who can solve any problem for customers, and is a matchmaker between loan customers and banks.

　　 "Acting" spends tens of thousands of agencies providing "value-added services".

Fake contracts are only a way for intermediaries to defraud bank loans. As long as customers are willing to pay high fees, they have other ways to get more loans from banks.

A loan intermediary business manager told reporters that according to the provisions of the bank, the housing mortgage consumer loans generally can only lend to the housing market valuation of 7 of the total, and for those who have their own company, the bank will give him credit points, you can loan to the housing appraisal value of 9, or even one hundred percent.

It is not enough for the company to make false information. The business manager said that before the loan was granted, the bank had to send staff members to the company to investigate. In order to cope with the investigation, the loan customers need to play a big game together with the loan agency. Of course, the play is not played in white, and the intermediary should charge extra money for it.

In an interview with a number of loan intermediaries, the reporter found that twenty-five thousand of the packaging companies are still low in fees, and some intermediaries are asking for higher prices.

　　 Bank loan officer: it can directly help fraudulent loans.

A bank's personal loan manager told reporters that she had known this kind of cheating loan method, not only packaging customers into corporate legal representatives, but also packaging shareholders. Another bank's personal loan manager revealed that the bank's qualification of the company under the name of the loan is not strictly censorship.

Looking at the loan intermediary, changing the way to help customers cheat the loan, earn a lot of intermediary fees. Some bank staff are also unable to sit down. In the press survey, a bank loan officer simply volunteered, saying that it could directly help customers who did not meet the loan conditions. {page_break}

 

Of course, the person in charge of the bank is not only motivated by "good intentions", but also can not be helped by fees. The cost is still to be collected, but it is much cheaper than the intermediary fees that are often tens of thousands of yuan.

　　 Reporter survey: a number of banks suspected of illegal operation

What shocked reporters is that such a phenomenon is not a case. Reporters took three months of investigation, visited a number of banks, found that this bank staff take the initiative to pull together, to introduce intermediary agencies to help customers "cheat loans" phenomenon exists in many banks.

In a Tianjin bank in Beijing, a person in charge of loans has proved the reliability of intermediaries in order to dispel the doubts of reporters to intermediaries.

A family in Beijing Huaxia Bank For a loan customer who does not satisfy the loan condition and does not know who to ask for a loan, the loan manager will also voluntarily give the intermediary telephone number, and mention his name intermediary fee. In Beijing, an Agricultural Bank (market share trading point), in the face of customers who do not meet the loan conditions, a personal loan manager even directly called the loan intermediary's telephone for on-site communication.

　　 "Dancing" for banks and intermediaries for loan performance

In Beijing, a total of 8 banks were visited by journalists. among Bank for economic construction And Guangdong Development Bank said that because there was no quota, housing mortgage consumption loans were suspended. China Merchants Bank loan manager said their qualification for lender is not very strict. The remaining 5 banks, including ICBC, agricultural bank, Shanghai Pudong Development Bank, Huaxia Bank and Tianjin bank, have advised clients who do not meet loan requirements to seek intermediary help.

Journalists in many loan intermediaries have heard the saying that they have good cooperation with banks. What kind of good cooperative relationship will let bank staff willingly be cheated? In a relatively small lending agency, business managers tell the Keeler that they rely on relationship maintenance.

Unlike smaller intermediaries, some large loan intermediaries and banks are more open and direct. In a large Guarantee Corporation in Dongcheng District, Beijing, the reporter saw the names of several banks posted in the customer negotiation area. The company's salesman told reporters that the bank loan officer was negotiating with the loan customers there. The reason why the bank came to sign the loan agreement was that their company belonged to a larger group customer.

There are loan intermediaries in the middle, and the loan agreement seems to be much faster. A bank loan officer told reporters that most of their mortgage loans were working with intermediaries, although it was clear that many loans were adulterated.

　 Reporter survey: mortgage loan fraud has existed for many years

Intermediary pull strings, banks nodded, customers took money. The tacit cooperation between intermediaries, banks and customers is not completed overnight. This interest chain has existed for many years, and there is a way to avoid regulation.

A loan manager of a bank said that it seems that the intermediary is taking risks to help customers to cheat the loan. In fact, once the staff of the bank are involved, it becomes an online grasshopper and the same risk. Because banks are becoming more and more strict now, they often warn intermediaries and customers that they should not transfer cash directly to their accounts. The best money can be transferred to customers' relatives and friends. {page_break}

 

　 Reporter survey: real estate intermediary also "part-time" fraud.

The booming mortgage business has not only attracted the continued participation of financial companies such as Guarantee Corporation, but also Real estate agency Also eyeing this market, the reporter found that chain house, I love my family, real estate in twenty-first Century and other larger real estate intermediary companies, now have their own loan intermediary, and business is better than the general lending agency.

It is not surprising that large housing agencies can do a good job in lending intermediaries. Apart from their relatively strong economic strength, they have developed a large number of home buyers directly into loan customers. In the housing agency's stores, the housing salesmen will personally recommend mortgage loans to customers with insufficient funds.

For housing customers to obtain mortgage loan from the bank, the real estate agent can collect the Commission for buying a house, and get the loan agency fee. Having tasted the sweetness, the real estate agency has worked harder, not only to help customers make false income certificates, bank water certificates and fake loans, but also to win more loans for customers by virtue of their good relationship with the housing appraisal companies.

The high price of the mortgaged house can get more loans from the bank. With the help of the real estate agency, the customers who are not eligible for the loan can not only borrow money, but also borrow more money to invest in the house illegally, which, in the opinion of experts, not only magnifies the risk of loans, but also indirectly increases the housing price.

　 Reporter survey: where does the loan come from?

In a loan intermediary, the reporter saw many people came to consult and negotiate loans, a large part of which was for loans to buy investment houses.

Intermediaries say mortgages are not only used to invest in houses, but also to buy high-yield financial products. The annual interest rate of mortgages is generally seven or eight, that is to say, buying financial products that yield more than this amount will make money. An intermediary worker recommended to reporters their own high reward financial products.

What financial products will have such a high profit? Under the questioning of reporters, the staff can tell the truth. The so-called financial products of the company are actually carrying customers' loans to other people, and the interest rate is up to 4% monthly interest.

　 Fake contract fraud real loan risk geometry?

3 years ago, Miss Liu of Dalian used her mortgage to defrauded her loan, and after investing 500 thousand yuan from the bank, she invested in the stock market. Unexpectedly, the stock market is getting worse day by day, and in three years, she has lost about one hundred thousand yuan.

Liu Xiaojie told reporters that because of the mortgage loans, the income is not enough, the intermediary has done a fake, in fact, her income is less than half of the monthly repayment amount, so the stock of this loss, she save money, pay the loan for repayment, not enough part of the loan repayment. Seeing that the loan is rapidly evaporating, if the loan is not yet available, the house will become a bubble. In frustration, Miss Liu thought of putting all her eggs in one basket and lending again.