According to the first financial daily, at present, called a "relay loan" way to mortgage loan in Shanghai occurs, it may help some have many sets of property to buy room person to curve around the strict "limit to buy to make", "limit credit to make", and not to increase the person that buy a house purchase records and loan records. Reports said, "relay loan" path is the basic operation of the father and the mother also borrow the son borrow the son also. Actually spoken parts in an opera is to the old man's name apply for a mortgage, its a children as the joint reimbursement payments, so it won't increase the child purchase and loan records. The Shanghai business scale biggest a secondhand the room agents a source ie freely said, "relay loan" main function is added a purchase quota,New Era Hats this new GeDai products can help some replacement guest or investors avoid property of New Deal a direct hit. Is the so-called "policy the distorted policy-implementation, in the interests of that drive, secondhand the room agents and commercial Banks to implement" financial innovation "enthusiasm and creativity, may never be belittled. By rights, from the point of view of a free market economy, to the name of the parents to buy a house, loans and yourself for the actual use of the building and the right of remuneration, it is beyond reproach. But in the process of concrete practice, such doing can get a few restrictions, there are also a lot of the moral risk, the bank may worry that older people after retirement, or other cases from his account not button on the money, afraid that year of actual investment home buyers refuse to undertake the obligations of recessive reimbursement, and so on. And Shanghai "relay loan" basic operation method, is based on the old man's name apply for a mortgage, and at the same time the children as a designated place buy only joint reimbursement, the latter responsible for loan contract on the borrower, the mortgage on the obligations agreed upon. So more effectively avoid off many trouble, to bank, property agents and practical for the person that buy a house, is "three win". But to do so, the so-called moral risk and not fully to avoid, and even in some ways or will be more serious. The U.S. credit crisis as lessons drawn from others' mistakes, we can't learn from not add. Subprime loans, is a kind of available to those with lower credit ratings or may be increasing the breach or can't pay for the month for other risk characteristics such as the mortgage borrowers. To offset the risk, the higher than normal rate subprime loans of "high quality" loan interest rate. And as we all know, it is taking place in 2007 of us subprime debt crisis triggered the global financial crisis. As a relatively mature financial products, subprime loans have been so risk potential,Cheap sunglasses let alone the newborn calves "relay loan", and let it was supposed to be a product of the loophole drilling policy. Therefore we can say, "relay loan" risk factor is likely higher than in the us subprime lending, just as a "new things", and currently is very small scale, the actual risk is insufficient to subprime compared with risk. But as QianLiZhiDi often destroyed by a small YiXue, when "relay loans" and "small YiXue" more and more into and a, the risk of catastrophic loss is imminent. But in the final analysis, it also can't blame real estate agents and commercial Banks, to blame can blame the central bank's policy makers, why are there so many lessons will also so lack of foresight, leaving such was taking advantage of the drill.
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