防范“高评高贷”衍生房贷风险

Core Viewpoint - The phenomenon of "high appraisal and high lending" in real estate transactions, allowing buyers to purchase homes with zero down payment and obtain excess loans from banks, poses significant risks to the financial system and requires urgent regulatory attention [1][2]. Group 1: High Appraisal and Lending Practices - Some unscrupulous intermediaries inflate property values to secure higher loan amounts from banks, enabling buyers to achieve zero down payment and access additional funds beyond the actual purchase cost [1]. - For instance, if a property valued at 6 million yuan is appraised at 8 million yuan, the buyer could secure a loan of 6.8 million yuan after a 15% down payment based on the inflated appraisal, resulting in an extra 800,000 yuan in loan funds [1]. Group 2: Risks to Financial Stability - If borrowers default on loans obtained through "high appraisal and high lending," banks may struggle to recover the loan amounts even after selling the properties, threatening the stability of the financial system [2]. - Buyers face excessive borrowing, leading to high interest burdens and potential credit overextension, which increases their vulnerability to market fluctuations and debt traps [2]. Group 3: Regulatory Measures and Legal Implications - Regulatory policies have been established to prohibit zero down payment purchases and to prevent real estate developers and intermediaries from providing illegal financing for down payments [2]. - Financial regulatory authorities are urged to implement stricter measures against "high appraisal and high lending" practices, including enhanced scrutiny of property appraisal reports and severe penalties for collusion between financial institutions and intermediaries [2][3]. - Both buyers and sellers involved in fraudulent "high appraisal and high lending" schemes may face legal consequences, including potential charges of loan fraud and civil liabilities for damages caused to third parties, such as banks [3].