In order to buy a house has been divorced 2 times married 3 times in Tianjin the three people togeth-webquest

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In order to buy a house has been divorced 2 times married 3 times in Tianjin the three people fight a couple only one suite, even if there is no money, one after two divorces and two marriages, the whole family can "wolf" to buy second suites, not only to avoid the purchase of credit limit, but also in the next few years the mortgage for the month set out. "Eat melon masses" don’t be surprised, this is a true story. Case: This is true in order to protect the privacy of the parties, the following were told by letters instead of. Mr. A and MS. B are husband and wife in Tianjin near Gulou a well-known real estate, 5 years before the loan to buy a set of more than 70 square meters alone, after the beginning of the year and the loan, repaid all loans, the original 1 million buy, the current market price of about 3 million. In March this year, housing prices rose two, the couple want to buy a house near, but no down payment, in the "sensible" under the guidance of the tour began to toss, mainly divided into four steps: the first step: Mr. A and MS. B divorce, the house owned by Mr. A holds, Ms. B wiped out households, then the divorce card shows that Mr. A and MS. B "divorced". The second step: Ms. B and Mr. C, her husband bridge "first marriage to divorce, the divorce certificate shows Mr C and MS B, MS B," divorced "and" husband "Mr. A, completely disassociate in various materials in the relationship, no longer reflect Mr. A’s divorce certificate name, to avoid the question bank in the mortgage application when the. The third step: Ms. B borrowed Shoufu and taxes about 700 thousand, from the "husband" Mr. A there to 2 down payment, the loan to buy the original housing; at the same time, "the young former husband" Mr. A, the district also bought a value of 5 million of the two rooms one hall, and agreed to pay 2 months later shoufu. The fourth step: Ms. B to complete the transfer procedures, 20% down payment loans purchased Yishiyiting original property; Mr. A got 3 million sell 1629, pay 1 million to 20% Shoufu, Shoufu loans purchased two bedroom houses, Mr. A and MS. B to remarry. After tossing, Mr. A and MS. B’s two sets of real estate, the total market capitalization of about 8000000, after pay off the loan 700 thousand, remaining about 1200000 in cash, two months for a total of more than 30 thousand suites, about 1200000 at least 3 years can guarantee the mortgage for the month. Alert: the risk is not small. In fact, this case is not a new thing, in the purchase of credit limit and other city more stringent, "false marriage" such measures have already been used. A bank customer manager told reporters that this year has encountered many such mortgage applications, from the angle of mortgage approval, all the formalities at least look compliance, and there is no reason to refuse, had to sigh, "master in folk". In the past, the more common is the divorce, one single, you can enjoy the first treatment, with 20% down payment buyers. But want to buy their own home real estate, husband and wife one can only find a "bridge husband" or "wife bridge" first married and divorced, the original spouse relationship information "top out". The reporter consulted a second-hand housing agency, property consultant Mr. Wen said, not every couple are suitable!

为了买房先后离婚2次结婚3次 天津这仨人拼了   夫妻只有一套房,就算家里没有钱,其中一个人经过两次离婚和两次结婚,全家就可以“空手套白狼”买第二套房,不仅躲开限购限贷,而且还把未来几年房贷的月供“套”出来。   “吃瓜群众”不要惊讶,这是真事儿。   案例:这是真事   为了保护当事人隐私,以下讲述由字母代替。   A先生和B女士是夫妻,在位于天津市鼓楼附近某知名楼盘,5年前贷款购买了一套面积70多平方米的独单,经过省吃俭用还贷,今年年初还清全部贷款,当初100万买的,目前市场价约300万。   今年3月起,房价上涨,夫妻二人想再买一套附近的房子,但是根本没有首付款,在“明白人”的指点下,开始了折腾之旅,主要分四步:   第一步:A先生和B女士离婚,房子归A先生持有,B女士净身出户,此时离婚证显示A先生和B女士“离异”。   第二步:B女士和“过桥丈夫”C先生,先结婚再离婚,此时离婚证显示C先生和B女士“离异”,B女士和“原老公”A先生,在各类材料中彻底撇清关系,离婚证不再体现A先生的名字,规避在房贷申请时银行的质疑。   第三步:B女士借来首付和税费约70万,从“原老公”A先生那里以2成首付,贷款购买原住房;同时,“原老公”A先生交了定金,买该小区另外一套价值500万的两室一厅,并约定2个月之后交首付。   第四步:B女士完成过户手续,二成首付贷款购得一室一厅原房产;A先生拿到300万卖房款,交了100万首付,以二成首付贷款购得二室一厅新房,A先生和B女士复婚。   经过一番折腾,A先生和B女士名下的两套房产,市值总计800多万,经过还清借款70万,剩余了120多万现金,两套房月供总计3万多,120多万至少能保障3年房贷月供。   警惕:风险不小   其实,这样的案例并非新鲜事儿,在限购限贷更严的其他城市,“假结婚”这样的操作办法早已使用。某银行客户经理告诉记者,今年已经遇到多个这样的房贷申请,从房贷审批的角度,所有手续至少看起来是合规,并没有理由拒绝,不得不感慨,“高手在民间”。   以往,比较常见的是夫妻离婚,其中一个人恢复单身,就能享受首套待遇,以二成首付购房。但是要买回自己家的房产,夫妻其中的一个人只能再找“过桥丈夫”或“过桥妻子”经历先结婚再离婚,把原配偶关系信息“顶出去”。   记者就此咨询某二手房中介机构,置业顾问温先生表示,并非每对儿夫妻都适合这样做,此类操作有前提,一是两个人征信记录中的配偶一栏,不能有任何具体信息,不然就算有离婚证也会露馅儿;二是要找的“过桥丈夫”或“过桥妻子”必须是信得过的熟人,万一结完不离就麻烦了!   一位不愿具名的本市某银行风控主管表示,在房价上涨的过程中,该办法的本质就是继续加杠杆,增加楼市泡沫风险,其本质就是骗贷,银行有权提前要求清贷。但是另外一位客户经理表示,即使明知如此,也会进件儿,房贷对于银行是优质资产,而且客户经理也是按任务量拿绩效奖金。   对于这样的购房者,律师许健提醒,法律风险主要有两个,一是离婚环节,与原配偶离婚,带着房子“跑路”的案例并不少;二是找别人结婚环节,只要结婚双方就要承担法律责任,万一对方反悔不肯离婚,就算之前做过约定,也可能陷入离婚纠纷,   看来,感情禁得住考验,不仅要敢爱敢恨,还要敢结敢离敢买房,哪里有政策,哪里就有对策,虽然“聪明人”有办法,但是冷暖自知、风险自担!相关的主题文章:

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