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购房“首付贷”小广告藏身小区楼道:最快3小时到账(图)

来源: 南方日报网络版     时间: 2019年10月24日 10:23:31
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(南)(京)(某)(小)(区)(7楼)(楼)(道)(内)(的)(贷)(款)(小)(广)(告)(。张)(传)(明)(摄)(  中)(新)(网)(南)(京)(6月)(27日)(电)((张)(传)(明)()北)(京)(、上)(海)(、深)(圳)(、南)(京)(等)(地)(在)(新)(一)(轮)(调)(控)(中)(,都)(强)(调)(对)(购)(房)(“首)(付)(贷)(”进)(行)(清)(理)(,纷)(纷)(出)(台)(了)(很)(多)(措)(施)(,降)(低)(潜)(在)(的)(金)(融)(风)(险)(。近)(日)(,南)(京)(有)(些)(小)(区)(楼)(道)(中)(却)(仍)(有)(可)(做)(“首)(付)(贷)(”的)(小)(广)(告)(,并)(承)(诺)(“最)(快)(3小)(时)(到)(账)(”。  在)(南)(京)(某)(小)(区)(的)(7楼)(楼)(道)(内)(可)(以)(看)(到)(,墙)(面)(上)(印)(着)(各)(种)(各)(样)(的)(小)(广)(告)(,有)(移)(空)(调)(、开)(锁)(、送)(餐)(外)(卖)(等)(,而)(信)(用)(贷)(款)(、急)(用)(钱)(的)(粘)(贴)(式)(和)(盖)(印)(式)(广)(告)(也)(有)(许)(多)(,并)(且)(下)(方)(都)(印)(有)(一)(排)(手)(机)(号)(码)(。  经)(致)(电)(联)(系)(,表)(明)(贷)(款)(将)(用)(于)(购)(房)(首)(付)(后)(,对)(方)(表)(示)(:“我)(们)(是)(P2P公)(司)(,最)(快)(3个)(小)(时)(内)(就)(可)(以)(下)(款)(,额)(度)(最)(高)(可)(以)(贷)(到)(30万)(元)(,按)(个)(人)(自)(身)(情)(况)(的)(不)(同)(,保)(守)(估)(计)(的)(话)(贷)(到)(15万)(元)(没)(有)(问)(题)(。如)(果)(我)(们)(公)(司)(批)(下)(来)(的)(钱)(不)(够)(的)(话)(,我)(可)(以)(帮)(忙)(从)(其)(他)(家)(再)(申)(请)(贷)(款)(,把)(你)(需)(要)(的)(总)(款)(操)(作)(下)(来)(,但)(是)(还)(款)(的)(话)(需)(要)(分)(开)(每)(月)(等)(额)(本)(息)(还)(款)(。”当)(被)(问)(及)(利)(率)(问)(题)(时)(,对)(方)(说)(:“现)(在)(小)(额)(贷)(款)(公)(司)(月)(化)(基)(本)(上)(都)(在)(1%-2%之)(间)(”。也)(就)(是)(说)(年)(化)(利)(率)(为)(12%至)(24%。另)(一)(写)(有)(“无)(抵)(押)(免)(担)(保)(”广)(告)(上)(的)(吕)(经)(理)(也)(表)(示)(:“买)(房)(首)(付)(也)(可)(以)(贷)(款)(,月)(利)(率)(一)(般)(在)(1.5%左)(右)(,年)(利)(率)(大)(概)(将)(近)(20%。”  对)(于)(小)(区)(楼)(道)(墙)(面)(上)(的)(小)(广)(告)(,该)(小)(区)(物)(业)(表)(示)(:“近)(期)(,我)(们)(正)(在)(对)(小)(区)(内)(的)(小)(广)(告)(进)(行)(集)(中)(清)(理)(。对)(于)(粘)(贴)(式)(的)(小)(广)(告)(将)(铲)(除)(,对)(于)(盖)(印)(式)(的)(广)(告)(也)(将)(用)(漆)(刷)(新)(覆)(盖)(。”  “一)(般)(的)(话)(年)(利)(率)(在)(10%左)(右)(,将)(近)(20%的)(话)(,风)(险)(算)(比)(较)(大)(了)(。”一)(信)(贷)(行)(业)(人)(士)(表)(示)(,“因)(为)(如)(果)(你)("首)(付)(贷)("的)(话)(,成)(功)(买)(房)(后)(不)(仅)(要)(还)(银)(行)(的)(按)(揭)(贷)(款)(,而)(且)(每)(月)(还)(要)(还)("首)(付)(贷)("的)(贷)(款)(,两)(者)(加)(在)(一)(起)(风)(险)(会)(很)(大)(。”  “现)(在)(这)(种)("首)(付)(贷)("的)(现)(象)(很)(多)(。就)(在)(前)(段)(时)(间)(,我)(的)(一)(个)(做)(P2P的)(朋)(友)(想)(找)(我)(借)(钱)(,利)(率)(8%至)(12%,他)(放)(贷)(出)(去)(的)(话)(肯)(定)(就)(不)(止)(这)(么)(多)(了)(,”南)(京)(一)(房)(产)(中)(介)(人)(士)(说)(。  据)(了)(解)(,“首)(付)(贷)(”是)(指)(在)(购)(房)(人)(首)(付)(资)(金)(不)(足)(时)(,地)(产)(中)(介)(或)(金)(融)(机)(构)(能)(够)(为)(其)(提)(供)(补)(助)(资)(金)(拆)(借)(,用)(于)(购)(房)(人)(放)(大)(购)(房)(杠)(杆)(,在)(一)(些)(房)(价)(上)(涨)(较)(快)(地)(区)(,首)(付)(贷)(的)(存)(在)(让)(部)(分)(购)(房)(者)(的)(实)(际)(首)(付)(已)(降)(至)(10%,这)(相)(当)(于)(是)(10倍)(杠)(杆)(,杠)(杆)(比)(例)(远)(高)(于)(去)(年)(股)(市)(巅)(峰)(时)(期)(的)(“场)(外)(配)(资)(”。“上)(海)(链)(家)(事)(件)(”以)(后)(,“首)(付)(贷)(”等)(金)(融)(杠)(杆)(的)(风)(险)(开)(始)(被)(业)(界)(所)(关)(注)(。  3月)(13日)(,中)(国)(人)(民)(银)(行)(行)(长)(周)(小)(川)(在)(以)(“金)(融)(改)(革)(与)(发)(展)(”为)(主)(题)(的)(新)(闻)(发)(布)(会)(上)(说)(,“首)(付)(贷)(”的)(产)(品)(不)(仅)(加)(大)(了)(居)(民)(购)(房)(的)(杠)(杆)(,而)(且)(削)(弱)(了)(宏)(观)(调)(控)(政)(策)(的)(有)(效)(性)(,增)(加)(了)(金)(融)(风)(险)(。中)(国)(人)(民)(银)(行)(副)(行)(长)(兼)(国)(家)(外)(汇)(管)(理)(局)(局)(长)(潘)(功)(胜)(也)(表)(示)(,包)(括)(P2P平)(台)(在)(内)(的)(房)(地)(产)(中)(介)(机)(构)(和)(房)(地)(产)(开)(发)(企)(业)(利)(用)(互)(联)(网)(金)(融)(平)(台)(从)(事)(场)(外)(配)(资)(,属)(于)(违)(法)(从)(事)(金)(融)(业)(务)(。  今)(年)(3月)(底)(,自)(北)(京)(、深)(圳)(、上)(海)(相)(继)(叫)(停)(“首)(付)(贷)(”后)(,央)(行)(南)(京)(分)(行)(、江)(苏)(银)(监)(局)(联)(合)(发)(文)(,要)(求)(江)(苏)(地)(区)(金)(融)(机)(构)(加)(强)(对)(个)(人)(住)(房)(贷)(款)(首)(付)(资)(金)(来)(源)(的)(审)(查)(,同)(时)(密)(切)(关)(注)(南)(京)(、苏)(州)(等)(部)(分)(城)(市)(因)(房)(价)(较)(快)(上)(涨)(可)(能)(带)(来)(的)(金)(融)(风)(险)(,并)(且)(对)(辖)(区)(内)(金)(融)(提)(出)(严)(格)(禁)(止)(“首)(付)(贷)(”或)(“零)(首)(付)(”。  房)(地)(产)(业)(内)(人)(士)(认)(为)(,此)(番)(楼)(市)(回)(暖)(虽)(有)(刚)(需)(、改)(善)(型)(等)(购)(房)(因)(素)(,但)(也)(不)(难)(看)(到)(其)(背)(后)(“首)(付)(贷)(”等)(金)(融)(杠)(杆)(的)(作)(用)(。高)(杠)(杆)(将)(放)(大)(楼)(市)(“虹)(吸)(效)(应)(”,导)(致)(热)(点)(城)(市)(的)(房)(价)(高)(位)(跳)(涨)(。而)(禁)(止)(“首)(付)(贷)(”可)(以)(挤)(压)(房)(地)(产)(的)(泡)(沫)(,但)(其)(效)(果)(如)(何)(还)(要)(看)(政)(策)(的)(执)(行)(力)(度)(。
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