不光零首付还能套取银行贷款，这样的手段正开始泛滥

Core Viewpoint - The phenomenon of "high appraisal and high loan" is increasingly prevalent, where properties are artificially appraised at inflated values to secure larger loans than the actual purchase price, leading to significant legal risks for both banks and individuals involved [1][2][8]. Group 1: High Appraisal and High Loan Mechanism - "High appraisal and high loan" involves artificially inflating property values to obtain loans that exceed the actual purchase cost, enabling transactions with zero down payment and multiple loans [1][2]. - The practice has gained traction as housing prices have declined, with the minimum down payment for first homes adjusted to 15%, creating more room for high appraisal and high loan operations [2][3]. Group 2: Target Demographics - Small business owners often seek high appraisal and high loan services to access lower-interest credit for cash flow needs, as traditional business loans may be unavailable or come with higher rates [4]. - Individuals in urgent need of funds may rely on "debtors" who are presented as "qualified clients" to facilitate high appraisal and high loan transactions, ultimately leading to potential defaults and bad debts for banks [4][5]. - Speculators in the real estate market also engage in high appraisal and high loan practices, using the funds to maintain cash flow while waiting for property values to rise [5]. Group 3: Legal Risks - Both buyers and sellers involved in high appraisal and high loan transactions face significant legal risks, including potential charges of loan fraud if the loans are not repaid [8][9]. - Sellers who cooperate in inflating property values to ease buyers' down payment burdens may also be implicated as accomplices in loan fraud, exposing them to legal consequences [8][9]. - Contracts resulting from high appraisal and high loan activities may be deemed invalid if they involve fraudulent misrepresentation or collusion, leading to civil liabilities for both parties [9][10].