Chapter 2228: All the Dirty Tricks Are Used

When Jessica heard this, she immediately became excited!

Buying a house with full payment and not negotiating the price?

For Jessica, who is short of money, what is the difference between this and pie in the sky?

But Jessica still has a little sense of safety precautions.

Her house is not a rare and good one, and there are many people in her community with lower listing prices than hers.

No matter how much someone likes her house, there's no reason why they won't talk about the price.

She told the agent her doubts.

However, the intermediary told her: "The other party is willing to pay a down payment of 2 million, which can be directly transferred to your card. The rest can be borrowed from a bank.

He just likes your house and thinks your decoration style suits him very well. "

Jessica's sense of precaution was instantly swept away.

After all, the cash of 2 million was transferred directly, and the loan of 5 million was obtained from the bank.

How could there be any risk?

Besides, she really put a lot of thought into her decoration. If buyers appreciate it and are willing to pay a high price, it means that the buyer has good taste!

Jessica was carried away by the client's exhilaration.

As everyone knows, this is the beginning of the scam.

On the day of signing the contract, a buyer named Dave met with Jessica.

After meeting and chatting for a few words, Dave said: "I have many houses under my name. I originally wanted to mortgage one house to the bank and then pay your balance, but the bank did not approve it.

So I want to discuss it with you. "

Jessica asked doubtfully: "What to discuss?"

She was really afraid that the other party wouldn't buy it.

Dave: "I want a trustworthy friend of mine to come over and hold this house on your behalf."

And this person who holds it on behalf of others is actually a professional debtor.

When Jessica heard this, she didn't care.

After all 200

The down payment of 10,000 yuan has been received and is a real deal.

It doesn't matter to her who owns her house.

Anyway, as long as she gets the loan, she just waits for the bank to release it.

So Jessica readily agreed.

Dave called the professional debtor over.

The intermediary took them to the bank to handle the transfer.

The transfer process is that the professional debtor first takes a loan, and then Jessica transfers the house to the name of the professional debtor, who then makes a mortgage with the bank for a loan.

The loan money was naturally sent to Jessica.

This is probably the process.

After all the procedures were completed, Jessica left the bank happily and went home to wait for the balance to be credited to her account.

However, Dave and the professional debtor did not leave.

Before the subprime mortgage crisis in 2008, Baguo did not need to pay the balance to transfer the ownership, and there was no capital supervision account (if the loan was approved by the bank to buy the house, the bank would first transfer the money to the official capital supervision account , and then transfer the property. After the final transfer, the balance will be transferred to the seller from this official account. Neither the parties nor the intermediary can touch the money in the supervision account).

The current process is to transfer the property after receiving the down payment. After the transfer, the property title of the house is changed to the buyer's name. The bank then uses the buyer's name as a mortgage and then makes the payment to the seller. The payment time can be as fast as two weeks or as slow as Three months.

This provides a loophole for Dave and the professional debt collectors.

After waiting for Jessica to leave, Dave and the professional debtor hurried back to the bank.

Then……

The professional debtor canceled the mortgage! ! !

Many people may ask, how can a loan be canceled unilaterally?

Woolen cloth?

That's because professional debtors make mortgage loans, and banks only recognize property certificate holders.

Because the house has been transferred to the debtor at this time, he can cancel the bank loan at any time! ! !

While Jessica is at home waiting for the final payment, the professional debtor will be taken by Chen Mo's company to use Jessica's house worth 7 million to make crazy mortgages and get loans.

After all, as long as you have a house, decoration loans, consumer loans, etc., they are basically approved in seconds in Baguo.

Cash out all the banks in the country and then disappear.

Jessica quickly noticed something was wrong.

But there was no way back.

The house has been transferred and mortgaged to major banks. Even if she calls the police, even if she is accused of fraud, she will not get the house back.

What's more, she also received a down payment of 2 million, and the overlord police would even make her admit that she was unlucky and treat it as selling the house cheaply.

Even on the eve of the upcoming subprime mortgage crisis, a house worth 7 million cannot be as cheap as 2 million!

It is impossible to even cut the price by half.

After a local snake learned about Chen Mo's move, he couldn't help but complain: "Mr. Chen, you are much crueler than us! I don't know how many people in the hegemonic country have been displaced by you, and their families have been destroyed!"

Chen Mo said with a smile: "You have to recognize one thing clearly. In the final analysis, there are loopholes in the supervision of the overlord banks."

"In the long run, even if I don't lie to them, it will be difficult for most of them to survive the subprime mortgage crisis."

"Once the subprime mortgage crisis comes, the houses in their hands will become extremely difficult to sell, and everyone will sell in a panic. Maybe they won't even be able to sell it for 2 million!"

"At least I gave them 2 million in cash to help them survive this crisis!"

The corner of the local snake's mouth twitched: "According to what you say, they still have to thank you for your deception?"

Chen Mo raised his head proudly: "I have always been a helpful person. It is my responsibility to help our friends in Baguo."

The local tyrants despised Chen Mo, but followed suit and carried out the same operation across the country.

The more such operations, the more loans Baguo Bank was taken away, the more houses were piled up in Baguo Bank's hands, and the greater the real estate bubble and risk!

"Emperor's Community" and "Professional Debtors" were carried out in an orderly manner, accumulating energy for the outbreak of the subprime mortgage crisis.

Chen Mo did not forget the last trick-helping Baguo couples divorce.

Many subprime borrowers have actually entered the period of floating interest rate increase at this stage.

Many people's mortgage interest rates suddenly increased from 1 point or 2 points to 6 or 7 points.

Don't underestimate these few points of interest. When converted into the monthly mortgage repayment, it is likely to double! ! !

At the beginning, you paid 5,000 a month. After the floating interest rate rises, you have to pay 10,000 a month! ! !

If you have a monthly salary of 8,000 yuan, and you pay 5,000 yuan, you can barely make ends meet, but what if you have to pay 10,000 yuan?

Who can make ends meet?

So many people plan to sell their properties and rent a house.

At this time, they unexpectedly discovered that houses are not easy to sell, and even the price has dropped significantly!

The loan they have to pay is even much higher than the house price!

Who is willing to pay the loan?

But if they don't pay the loan, the house will be auctioned off, and their credit will be blacklisted. At that time, they will have no place to rent a house, and their work may also be affected.

What to do?

In this case, Chen Mo is like a god descending to earth, helping this group of people...