调查！个人经营贷违规入楼市乱象仍存，中介：首年利率低至0.795％，无营业执照也能办

Core Viewpoint - The article discusses the increasing trend of using personal business loans to replace housing mortgage loans, highlighting the risks and regulatory concerns associated with this practice [2][5]. Group 1: Business Loan Trends - A loan intermediary suggests that personal business loans can be used to "replace" housing mortgage loans, significantly lowering annual repayment interest [2]. - The interest rate for business loans has dropped to as low as 3% or below, creating a significant interest rate gap compared to residential mortgage rates [2][3]. - Some intermediaries are promoting business loans as a low-interest tool for homebuyers, despite the original intent of these loans being to support small businesses [3][4]. Group 2: Regulatory Concerns - Regulatory bodies have noted the misuse of business loans for real estate purchases, leading to warnings about the risks associated with such practices [5]. - Instances of banks facing penalties for improper management of personal business loans have been reported, indicating a lack of diligence in loan approval processes [5][6]. - The article highlights that banks may have internal control weaknesses, allowing for the misuse of funds and inadequate monitoring of loan purposes [6][7]. Group 3: Market Implications - The article points out that the current economic environment, with declining property values, poses risks for banks as they may face "collateral shortfall" issues [7][8]. - A potential cycle of asset devaluation and increased defaults could emerge if banks are forced to liquidate collateral assets due to insufficient loan repayment capabilities [8].