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<div id="Title"> <h1><span id="lalTitle">房产抵押消费贷款的五个秘?/span></h1></div>
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发布时间:<span id="lbInDate">2017/9/29 11:52:42</span> <span id="lbSource"></span><span id="lbAuthor"></span>
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<span id="lalContent"><p style="text-indent: 2em; text-align: left;">据京城知名贷款机构伟嘉安捷报道，股票、基金市场的一路红旗飘飘，导致了人们投资热情的空前高涨。然而，当部分人暗自庆幸用房变钱再实现钱生钱的目地时，却严重忽视了房产抵押消费贷款进行不正当融资背后的诸多秘密?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;"><strong>一、借款人需注意的三大秘密?/strong></p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">秘密一：贷款年限短、还款利率高、批贷时间长，借款人成本无形增多?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">抵押消费贷款与普通二手房按揭贷款相比，其贷款年数较低，最长只能贷??0年。像其它一些房屋贷款品种最长能够贷??0年或??0年不等。另外，抵押贷款的还款利率要高于其它贷款品种，且批贷时间较长，大?0-30个工作日。这样，借款人在使用抵押消费贷款时无形中会增加许多成本，还要花费更多的精力周旋于此?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">秘密二：资金流向严控后，抵押消费限制用途将使不正当融资财路不通?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">7月底，央行发出信号要加强房地产企业贷款和个人住房贷款资金流向的监控，这一政策真正落实后，部分打算依靠抵押消费贷款融资获取资金的客户将会很难做这项业务了，而已经办理抵押消费贷款的客户也有可能遇到许多不确定因素，风险较大?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">秘密三：急病乱投医，谨防不规范金融代办机构易钻空,借款人得不偿失?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">虽然从理论上个人可以直接到银行申请此贷款，但目前不是所有银行都有这项业务，即使是设置了此项业务的银行，由于其申请手续复杂，风险较大，银行对于借款者的资质审批的十分严格，对个人批贷严格控制，门槛较高。而选择专业的代办机构不但可以提高办事效率还可以替借款者规避其中的很多风险。但是，借款人要切记的是不要因为急于办理抵押消费贷款而胡乱抓一些不具备代办资格，不规范操作的金融机构办理，以免急病乱投医，得不偿失?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;"><strong>二、银行需引起重视的两大秘密?/strong></p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">秘密四：上堵下疏，银行铤而走险放贷并非长久之计?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">一般来说，银行对抵押消费贷款的用途有一定的限制，比如只能用于购房、装修、留学、就医、购买家庭大额耐用消费品。按规定是不允许消费者把贷款用于投资炒股、购买基金的。虽然，央行也特发规定让各家银行严格控制抵押消费贷款的流向，但是市场上仍然有部分商业银行为了完成自身贷款任务铤而走险，睁一只眼闭一只眼的接受借款人的抵押消费申请。这样不但扰乱了银行间的正常秩序，同时也无法给予借款人一个健康的贷款消费理财空间?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">特别是近期央行以相对明确的态度警示涉房贷款的潜在风险，更加严控了银行对抵押消费贷款资金流向的把握。由此可见，如果银行还长期以往诸如此类违规操作的话，那么带给银行的将会是无法估量的灭顶之灾?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">秘密五：银行难约束消费者使用用途，直接导致银行利益受损?/p><p><br style="text-indent: 2em; text-align: left;"/></p><p style="text-indent: 2em; text-align: left;">从银行的角度来看，以往银行在发放抵押消费贷款时，因为无法约束众多的消费者，容易出现借款人把贷款用于其它投资后结果却无能力偿还银行贷款，所以只能拍卖所抵押的房屋，而拍卖房产后还有可能出现无法偿还债务的情况。因此，银行对抵押消费贷款的这部分坏帐处理也是十分头疼，更加无法确保银行自身利益不受损害?/p><p><br style="text-indent: 2em; text-align: left;"/></p></span>
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