论文部分内容阅读
案例2015年年初,到A市做生意的王先生想通过按揭方式购买住房。因是外地户籍,且无固定工作,王先生不具备贷款借款人条件,于是他找到当地本地户籍的好友宋先生商量,以宋先生名义贷款购房,宋先生表示愿意。1个月后,宋先生与B房地产公司签定购房合同,购150平方米住房一套,价款100万元。随后,宋先生以借款人身份与银行签订个人购房借款合同,办理了房屋所有权证。房屋交付后,王先生装修入住,并按期向银行偿付贷款。然而,半年后王、宋二人
Case In early 2015, Mr. Wang, who was in business in A City, wanted to buy a house by mortgage. Because of foreign permanent residence, and no fixed work, Mr. Wang does not have the conditions for loan borrowers, so he found a local friend of local residence Song negotiate to buy a house in the name of Mr. Song, Mr. Song said he was willing. A month later, Mr. Song and B real estate company signed a purchase contract to buy a set of 150 square meters of housing, the price of 1 million yuan. Subsequently, Mr. Song, as a borrower, signed a personal home loan contract with the bank and handled the house ownership certificate. After the delivery of the house, Mr. Wang renovated to stay and repay the loan to the bank on schedule. However, six months later, the king and the song two