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自4月8日国五条实行之后,在严厉的房贷政策下,利益各方积极疏通。为了规避监管层监管,降低购房成本,一些两套房以上的购房者开始通过住房抵押申请消费贷款,曲线变身房款。有关资料显示,今年一季度,社会融资总量大增,新增人民币贷款同比去年增加3000亿元,大量新增资金进了房地产。从银行信贷来看,增量资金主要以个人按揭贷款形式为地产开发“输血”。国家统计局数据显示,自去年9月以来,每月进入地产开发的个人按揭资金均在千亿以上,在近几年里较为少见。监管层三令五申的风险管控在这其中变得次要了。担保公司出资、中介公司出客户,而银行最终批贷。而一旦“过桥”形成,三方联合致使担保公司赚过桥费,中介赚中介费,而银行则是获得业绩。
Since the implementation of Article Five of the State Council on April 8, under the severe mortgage policy, all parties of interest have actively dredge the situation. In order to circumvent the regulatory supervision and reduce the cost of home buyers, some two or more suites of home buyers began to apply for consumer loans through the mortgage, the curve turned housing funds. Relevant data show that in the first quarter of this year, the total amount of social financing greatly increased. The new RMB loans increased by 300 billion yuan over the same period last year and a large amount of new funds went into real estate. From the bank credit point of view, incremental funds mainly in the form of personal mortgage loans for real estate development “blood transfusion ”. National Bureau of Statistics data show that since September last year, each month to enter the real estate development of personal mortgage funds are hundreds of billions of more than in recent years is relatively rare. Regulatory layers of the risk control in this one became secondary. Guarantee company funded, intermediary companies out of customers, while banks eventually approved loans. Once the “bridge” is formed, the tripartite alliance will lead the guarantee company to earn a toll fee, and the intermediary will earn the intermediary fee, while the bank will obtain the performance.