这么操作竟能把“经营贷转房贷”？不合规，风险大！

Core Viewpoint - The article discusses the ongoing trend of homeowners attempting to convert business loans into residential mortgage loans amid declining mortgage rates, highlighting the lack of policy support for such conversions and the associated compliance risks [3][5][8]. Group 1: Market Conditions - As of November, the average selling price of commercial housing in China was 9,546 yuan per square meter, reflecting a year-on-year decrease of 3.4%, indicating that the real estate market is still in an adjustment phase [3][9]. - The overall interest rate for existing housing loans has decreased to approximately 3%, leading to a narrowing interest rate spread between housing loans and business loans [3][9]. Group 2: Loan Conversion Attempts - Homeowners who previously used business loans to purchase properties are now looking to convert these loans into more stable residential mortgages due to the expiration of their business loans and the inability to renew them at previous limits or rates [5][6]. - The prevalent method for this conversion involves a complex process of second-hand property transactions, where a "buyer" is introduced to facilitate the loan application for a housing mortgage [5][6]. Group 3: Compliance Risks - Many banks have stated that there is currently no policy support for converting business loans into housing loans, and such operations carry significant compliance risks [3][6]. - The process often relies on fictitious transactions and bridge financing, which can lead to contract violations or even illegal activities [6][8]. Group 4: Legal and Operational Risks - Engaging in these conversion schemes can expose homeowners to substantial risks, including potential legal consequences if the transaction is deemed fraudulent [8]. - The uncertainty in the approval process for loans and the potential for funding gaps during the transaction can further complicate the situation for borrowers [8][9]. Group 5: Regulatory Environment - Regulatory scrutiny over the misuse of loan funds has intensified, with numerous penalties issued for violations related to the flow of credit into the real estate market [9]. - Despite the risks, the demand for low-cost, long-term financing remains, especially as mortgage rates continue to decline, which may encourage further attempts to exploit the system [9].