Will buying a house and repaying the loan with a mortgage be a scam to deceive people?

Scammers use telecom fraud to "set up" mortgage scams

Watch on mobile phones

The new policy for "second homes" has introduced a higher mortgage threshold. Scammers take advantage of the anxious psychology of home buyers. Get the handling fee or bank card password

"Unsecured home loan, same-day disbursement, providing the most convenient loan service for home buyers." This is a mobile phone text message that many people have received recently. Some home buyers who were eager to get a loan believed these mortgage text messages and were induced by fraudsters to remit handling fees, etc., and fell into a fraud trap.

The reporter learned from the police that telecom fraud has the characteristics of chasing social hot spots. Citizens still need to go to banks and other financial institutions to apply for housing loans. They should be vigilant when receiving text messages about providing low-interest loans to prevent Being deceived.

Scam

I was cheated on the handling fees when I was eager to get a loan to buy a "second house"

On May 7, 2010, Liu Zhipei (pseudonym), who lives in Baizhifang, Xuanwu District ), received a mobile phone text message, the content is "unsecured mortgage, same day loan". Seeing such a text message, Liu Zhipei couldn't help but feel moved.

At the beginning of this year, my wife unfortunately suffered a stroke. In order to take care of his wife and children's daily life, he decided to take out another loan to buy a cheap, small house.

Starting from February this year, Liu Zhipei finally selected a house in Fangshan, but unexpectedly the mortgage policy changed. Since he took out a loan to buy a second home, according to the country's new regulations on housing loans, not only did the down payment increase from the original 40% to 50%, but the loan interest rate also increased by 10% based on the benchmark interest rate.

The house chosen by Mr. Liu is 80 square meters. According to the new regulations, the down payment will be 480,000 yuan, which he cannot afford at the moment. When Mr. Liu was borrowing money, he received this text message and immediately contacted the other party.

The other party introduced to Mr. Liu that he was a loan officer of a company called "Donghai Financial Company" and could apply for a mortgage for him, and there was no limit on the loan amount.

The other party told Mr. Liu that no matter which house the loan is for, as long as the identity information provided is true, the loan can be applied for. And you can get the loan on the same day after completing the procedures. However, a handling fee of 4,800 yuan, which is 0.5% of the total price of the house, must be remitted first.

Mr. Liu, who was eager to take out a loan to buy a house, remitted the handling fee to the bank account provided by the other party as required without carefully distinguishing it.

Unexpectedly, Mr. Liu waited and waited for no one to come to apply for a loan, so he quickly contacted the other party, only to find that the other party had turned off his phone. Only then did Mr. Liu realize that he had been deceived.

A woman was defrauded of more than 5,000 yuan when she took out a loan to buy a house

Huang Min, an employee of a company, was also deceived by text messages about mortgage loans.

Huang Min said that she owns a house in Huilongguan, Changping. Since she and her husband both work in the city, they have always wanted to get a loan to buy another house in the city.

Not long ago, Huang Min took a fancy to a house in a building in the South Fourth Ring Road. She was satisfied with the location and price. However, since it is a second home, the down payment and loan interest rate have increased.

Just when Huang Min was hesitant, she received a mortgage text message. The content of the text message was almost the same as what Mr. Liu received.

The content of the text message moved Ms. Huang. Since the total price of the house Ms. Huang is interested in is 1.75 million, the other party requires a 0.3% handling fee to be remitted first. As a result, Ms. Huang transferred 5,250 yuan through the bank and could no longer contact the other party.