“连心贷”来了，男女朋友未婚先贷？专家：一直都是合法存在，但是……
<div class="wx_rich_media_content" id="jsWxContainer"><p style='text-align: left; line-height: 1.6em;' data-mpa-powered-by="yiban.io"><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; text-align: justify; font-size: 16px;'>继“百岁贷”后，有银行近期推出了“连心贷”，以未婚男女朋友作为共同还款人，引起市场关注和质疑。</span></p><p style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><br></p><p style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>另一边厢，住房贷款提前还款难、违规转贷的话题依然受到关注。记者了解到，广州地区部分客户预约了四个多月至今仍未能还款。</span></p><p style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><br></p><p style='text-align: center; line-height: 1.6em;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><p style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><br></p><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 2em;'><br></section><section data-role="title" data-tools="135编辑器" data-id="107148" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='margin-right: auto; margin-left: auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;'><section style='padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;'><section style='padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;'><section hm_fix="317:305" style='outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>“连心贷”或存贷款违约风险</span></strong></span></section></section></section></section></section></section><section data-role="paragraph" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; vertical-align: inherit; visibility: visible; text-align: center; line-height: 1.6em; box-sizing: border-box !important;'><br></section></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>2月22日，有报道称，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>农行近期针对雄安购房者</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>推出新的商业贷款产品“连心贷”，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>主要<strong>以未婚男女朋友作为共同还款人</strong>。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>相关工作人员表示，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>已有员工看到相关文件，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>但目前尚未出台具体操作细则。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="117916"><section><section style='transform-style: preserve-3d; line-height: 1.6em;'><section style='display: flex;justify-content: center;transform: translateZ(10px);transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-ms-transform: translateZ(10px);-o-transform: translateZ(10px);'><section><section style='background-color: rgb(128, 187, 244);border-radius: 25px;font-size: 16px;color: rgb(255, 255, 255);text-align: center;letter-spacing: 1.5px;padding: 9px 15px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong data-brushtype="text">连心贷</strong></span></section></section></section></section><section><section><section data-autoskip="1"><section><br></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><span style='background-color: transparent; caret-color: red; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>为了明确婚前财产的归属或者增强还款能力，未婚男女朋友作为共同有权人，由双方或者一方申请的住房贷款。</span></section></section></section></section></section></section><section data-role="paragraph"><section style='line-height: 1.6em;'><br></section></section></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>对此，有网友调侃道：“看你征信清白，小伙子不错，要不给我做个连心贷吧。”</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>而更多网友则质疑：若是夫妻或家庭成员作为共同还款人都可以理解，但是未婚男女朋友作为共同还款人，如果后面分手了怎么办，是否存在法律风险。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section style='text-align: center; line-height: 1.6em;'><span class="wxart_image" wx-style='display:inline-block;'></span></section><section style='text-align: center; line-height: 1.6em;'><br></section><section data-role="title" data-tools="135编辑器" data-id="107148" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='margin-right: auto; margin-left: auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;'><section style='padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;'><section style='padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;'><section hm_fix="317:305" style='outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>专家：属于制造概念</span></strong></span></section></section></section></section></section></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 2em;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="87889"><section data-autoskip="1" style='border-top: 1px solid rgb(63, 63, 63); border-bottom: 1px solid rgb(63, 63, 63); line-height: 1.75em; letter-spacing: 1.5px; padding: 5px 2%; box-sizing: border-box;'><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>易居研究院研究总监严跃进认为，“连心贷”和近期讨论的“百岁贷”有相似性，其都涉及房贷偿还有多个还款人的情况，<strong>其目的就是增强购房者的贷款额度、减少贷款方面的违约风险。</strong>这也说明各地商业银行针对目前房地产市场的交易行情落实了宽松的贷款政策。</span></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><br></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>广州资深按揭贷款专家、大源按揭总经理郑大源告诉记者，“连心贷”这个产品，一直都是合法存在的，只要买家有买房资格，愿意共同买房，其实人数不限，共同买房人的关系也是不限制的。也就是说，两个没有任何法律关系的人，也可以一起买房，一起贷款，一起申请公积金贷款。如果特别强调情侣，属于制造概念。</span></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><br></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>“作为情侣，没有法律关系，没有血缘关系，关系不太稳定，<strong>一旦由于种种原因分手，那么房子的处理就成为大问题了。</strong>比如房子给情侣其中一方，或者卖掉，受到限售政策影响，无法及时处理。”郑大源认为。</span></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><br></section><section style='font-size: 16px; font-family: 微软雅黑; box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>严跃进也指出，“连心贷”把未婚男女朋友作为共同还款人，实际上还是很容易引起大家的顾虑和质疑的。“若是对象分手或情感有问题，那么此类还款方面是有一定的问题的。关键是要防范中间产生合同纠纷和违约的事件，最终使得贷款出现违约。这是包括‘连心贷’在内的各类信贷产品创新所需要注意的内容。”严跃进认为。</span></section><section style='line-height: 1.6em;'><br></section></section><section style='line-height: 1.6em;'><section style='display: flex;z-index: 99;margin-top: -8px;margin-left:85%;'><span class="wxart_image" wx-style='display:inline-block;vertical-align:inherit;background-color: white;padding:4px;'></span></section></section></section><section data-role="paragraph"><section style='line-height: 1.6em;'><br></section></section></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong>风险提示</strong>：</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>未婚男女朋友作为共同还款人，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>关系不太稳定，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>中间如果产生合同纠纷和违约的事件，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>最终使得贷款出现违约。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section data-role="title" data-tools="135编辑器" data-id="107148" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='margin-right: auto; margin-left: auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;'><section style='padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;'><section style='padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;'><section hm_fix="317:305" style='outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>房贷提前还款难</span></strong></span></section><p><span style='outline: 0px; max-width: 100%; visibility: visible; color: rgb(255, 255, 255); font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>引发监管部门关注</span></strong></span></p></section></section></section></section></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><br></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: 1.6em; box-sizing: border-box !important;'><span style='caret-color: red;font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'>最近，</span></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: 1.6em; box-sizing: border-box !important;'><span style='text-align: start;color: rgb(51, 51, 51);font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'>住房贷款提前还款难的话题</span></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: 1.6em; box-sizing: border-box !important;'><span style='text-align: start;color: rgb(51, 51, 51);font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'>依然受到关注。</span></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: 1.6em; box-sizing: border-box !important;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>据了解，为了缓解客户“扎堆还房贷”给银行造成的压力，部分商业银行通过网上“放号”预约、设置还贷额度等方式控制还贷节奏。但由于预约周期过长，这给不少购房者带来困扰，不少网友称“如今还钱比借钱难多了”。记者了解到，广州地区部分客户预约了四个多月至今仍未能还款。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section style='text-align: center; line-height: 1.6em;'><span class="wxart_image" wx-style='display:inline-block;'></span></section><section style='font-family: 微软雅黑; font-size: 16px; line-height: 1.6em;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="105106"><section><section style='margin-left: 20px; box-sizing: border-box; width: 15px; height: 15px; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border-radius: 50%; overflow: hidden; transform: rotate(0deg); line-height: 1.6em;'><br></section><section data-autoskip="1" style='padding-right: 13px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(75, 91, 90); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><section style='color: rgb(51, 51, 51);font-size: 16px;line-height: 2em;font-family: 微软雅黑;box-sizing: border-box;'><section style='box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>该问题已引发监管的关注。记者从业内人士处了解到，央行、银保监会近期召开部分商业银行座谈会，要求商业银行强化以客户为中心的理念，保障客户合法权益，改进提升服务质量，按照合同约定做好客户提前还款服务工作。</span></section><section style='box-sizing: border-box; line-height: 1.6em;'><br></section><section style='box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>针对部分借款人违规使用经营贷、消费贷提前还款的情况，要求商业银行持续做好贷前贷后管理，加强风险警示；监管部门将加大检查处罚力度，及时查处违规中介并披露典型案例。</span></section><section style='line-height: 2em;box-sizing: border-box;'><section style='line-height: 1.6em;'><br></section></section><section style='box-sizing: border-box; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'>同时，工农中建等多家银行近日已向分支机构下发通知，要求强化以客户为中心的理念，高度重视消费者权益保护，及时响应客户还款诉求，改进提升服务质量，加快处理积压申请，按照合同约定做好提前还款服务。</span></section></section></section><section><section><section data-width="50%"><br></section></section></section></section></section></section><section style='font-family: 微软雅黑; font-size: 16px; line-height: 1.6em;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>对于居民集中提前还房贷的原因，主要是近期受投资理财收益率下行、新发放房贷与存量房贷利差拉大等多重因素影响。</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: justify; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>此外，值得关注的是，据广州资深按揭贷款专家、大源按揭总经理郑大源透露，由于目前经营贷利率与房贷利率倒挂，有贷款客户被中介机构鼓动<strong>用低息经营贷款置换较高利息的房贷</strong>，这一违规操作手法也导致提前还房贷人数增加。</span></section><section style='font-family: 微软雅黑; font-size: 16px; line-height: 1.6em;'><br></section><section data-role="title" data-tools="135编辑器" data-id="107148" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='margin-right: auto; margin-left: auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;'><section style='padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;'><section style='padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;'><section hm_fix="317:305" style='outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>提醒：</span></strong></span></section><section hm_fix="317:305" style='outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; box-sizing: border-box !important;'><strong data-brushtype="text" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'>警惕中介诱导违规转贷</span></strong></span></section></section></section></section></section></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; line-height: 1.6em; box-sizing: border-box !important;'><br></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>事实上，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>对于消费贷、经营贷流入房市，</span></section><section style='font-family: 微软雅黑; font-size: 16px; text-align: center; line-height: 1.6em;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>监管部门早就明令禁止。</span></section><section style='font-family: 微软雅黑; font-size: 16px; line-height: 1.6em;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="87758"><section style='margin-top: 10px;margin-bottom: 10px;'><section data-brushtype="text" data-autoskip="1" style='padding: 10px; border-width: 1px; border-style: dashed; border-color: rgb(33, 33, 34); line-height: 1.75em; box-sizing: border-box;'><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>2月10日，辽宁银保监局发布《关于提前还贷或转贷的风险提示》就指出，随着国家对小微企业支持力度的加大，经营性贷款利率持续走低，社会上出现一些违规“贷款中介”，他们以“利率低”“期限长”“放款快”为由，诱导消费者借“过桥资金”提前结清“房贷”，再办理“信用贷”“经营贷”归还过桥资金，从而谋取高额中介服务、资金过桥费用，同时使消费者陷入违规转贷的多重风险之中，甚至要承担刑事责任。</span></section></section></section></section><section data-role="paragraph"><section style='line-height: 1.6em;'><br></section></section></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="87758"><section style='margin-top: 10px;margin-bottom: 10px;'><section data-brushtype="text" data-autoskip="1" style='padding: 10px; border-width: 1px; border-style: dashed; border-color: rgb(33, 33, 34); line-height: 1.75em; box-sizing: border-box;'><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>早在去年12月，银保监会曾发布关于<strong>警惕不法贷款中介诱导消费者违规转贷</strong>的风险提示，这种将房贷置换为经营贷的操作隐藏着违约违法隐患、高额收费陷阱、影响个人征信、资金链断裂、侵害信息安全等风险。其中，消费者“转贷”后的综合资金成本可能高于房贷正常息费水平；“以贷还贷”“转贷”操作有资金链断裂风险。比如经营贷的期限较短，还款要求也很不一样，且本金大多需一次性偿还，借款人若无稳定的资金来源，贷款到期后不能及时偿还本金，可能产生资金链断裂风险。</span></section></section></section></section></section><section style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; text-align: center; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="outer" label="edit by 135editor" style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 0.544px; widows: 1; line-height: 1.6em; box-sizing: border-box !important;'><span style='font-size: 10px;'>（来源：广州日报、北京商报等）</span></section><section style='outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 0.544px; widows: 1; line-height: 1.6em; box-sizing: border-box !important;'><img src="https://www.yewn.cn/data/attachment/forum/202302/22/084154zfsff4nfwrvhjfq5.png"></section></section></section></section></section></section></section></section></section></section></section><section style='line-height: 1.6em;'><section style='display: none;'><br></section></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div> 我就想知道这个如果出现纠纷怎么办？ 太平常不过的一件事
页:
[1]