从“零首付”到骗贷陷阱，亲历者深度揭秘二手房买卖“高评高贷”套路细节

Core Viewpoint - The decline in housing prices and the lengthening of listing periods are increasing anxiety among some home sellers, leading to a rise in risky practices such as "high appraisal, high loan" schemes [3][4][5] Group 1: Market Trends - As of June 2025, the average listing duration for second-hand homes in 100 cities is 90.52 days, an increase of 6.46% year-on-year [3] - The average listing price is 12,248 yuan per square meter, down 8.59% year-on-year [3] Group 2: High Appraisal, High Loan Scheme - "High appraisal, high loan" refers to the practice of artificially inflating property values to secure larger loans from banks, often resulting in "zero down payment" and multiple loans [3][5] - This practice has seen a resurgence as home prices have entered a downward trend, with down payment ratios dropping to around 15% [3][5] Group 3: Seller Experiences - Sellers like He Qing have reported being caught in these schemes, where the actual transaction price is significantly lower than the inflated contract price, leading to potential financial loss [5][6] - The experience of sellers varies, with some successfully avoiding pitfalls while others face legal battles due to contract disputes [4][9][12] Group 4: Legal and Financial Implications - Real estate agents and intermediaries face risks if transactions go awry, including potential legal consequences and financial liabilities [7][8] - Regulatory bodies have issued warnings about the risks associated with "zero down payment" schemes, which can lead to loan fraud [7][8]