“买房零首付，还能从银行套取上百万贷款”，这种手段正开始泛滥→

Core Viewpoint - The phenomenon of "high appraisal and high loan" is increasingly prevalent, where property values are artificially inflated to secure loans exceeding actual purchase costs, leading to significant legal risks for both banks and individuals involved [1][2][10]. Group 1: High Appraisal and High Loan Phenomenon - "High appraisal and high loan" refers to the practice of artificially inflating property valuations to obtain larger bank loans than the actual purchase price, enabling "zero down payment and multiple loans" [1][3]. - This practice has gained traction as housing prices have entered a downward trend, with the minimum down payment for first homes reduced to 15% [3][4]. - The operational model involves real estate agencies or financial companies selecting undervalued properties and collaborating with appraisal firms to inflate their values [3][4]. Group 2: Target Demographics for High Appraisal and High Loan - 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 "debt-bearers" 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]. - Speculative investors, or "flippers," also engage in high appraisal and high loan practices to maintain cash flow while waiting for property values to rise [4]. Group 3: Legal Risks Involved - Buyers engaging in high appraisal and high loan transactions may face criminal charges for loan fraud if they default on payments, as this constitutes an intent to illegally acquire bank loans [10][11]. - Sellers who cooperate in these transactions may also be implicated as accomplices in loan fraud, facing legal repercussions for facilitating inflated valuations [11]. - Contracts resulting from high appraisal and high loan activities may be deemed invalid if they involve fraudulent misrepresentation, leading to potential civil liabilities for both buyers and sellers [11].