随着五、六月份楼市的有所回暖，不少购房者也开始跃跃欲试。然而无论如何，切不可绕开政策用“歪招”来购房。

With five、In June the property market to thaw，Many buyers also began to try。But no matter how to，Must not get around with policy“Bad idea that he”To purchase。

　　《理财周刊》：

《Financial weekly》：

　　绕开政策 “歪招”购房风险大 Around policy “Bad idea that he”Purchase risk is big

　　文／本刊记者 徐卓航

Wen/this reporter XuZhuoHang

　　限购令执行至今，曾有过不少想要避开、绕过限购限贷政策的购房“歪招”。不过，“歪招”暗藏风险，这是毋庸置疑的。由于近来楼市有所回暖，避开限购令的部分“小动作”也再次活跃起来，广大购房者应对此有所警惕。

限购 to perform today，There had been many want to avoid、Around the 限购 limit credit policy of the house“Bad idea that he”。but，“Bad idea that he”Hidden risks，This is without a doubt。With the recent housing market have warmed，Avoid 限购 make part“incidents”Again also active，The buyers shall have any vigilant。

　　假证明不靠谱 False proof than by the spectrum

　　为了应对限购限贷的政策，有媒体报导，部分贷款中介声称可以办出二套房优惠房贷，甚至神通广大到可将二套房房贷“做成”首套，以享受优惠利率。

In order to deal with 限购 limit credit policy，Media reports，Part of the loan intermediary claims to be able to do the 2 suite preferential mortgage，Even the miraculous two suites mortgage“Make it”First set of，To enjoy preferential interest rate。

　　相关人员表示，根据房产归属、贷款记录等情况，可通过“做”单身证明等假资料的方式，用其个人名义购房，“顺利的话可享受首套房优惠贷款利率”。不过，为了这样的操作，购房者也需要在“操作成功后”，向操作人员支付数千元的服务费外加担保金，担保金数额为商贷总额的1%。

Related personnel said，According to the real estate ownership、Loan records, etc，But through the“do”Single proof etc way of false information，With its individual name the house，“Goes well can enjoy preferential loans first suite”。but，For such operation，The person that buy a house also need to be in“After the success of the operation”，Operators to pay thousands of dollars for service and security，Such amount for business loan for 1% of the total。

　　然而根据了解，目前各大银行的二套房房贷政策并无松动，认定过程和利率也都严格按照相关规定执行。业内人士也指出，近期市场上确实有这类“做小动作”的传闻，但类似的暗地里操作，其可操作性和普遍程度全都是未知数，并且显然是违规的。“一旦被查处，不仅本次贷款受阻，还会影响今后的贷款行为和承担相应的法律责任。”

However, according to understand，Currently Banks' mortgage policy and two suites without shake，That process and interest rates are in strict accordance with the relevant provisions。The personage inside course of study also points out，Recent market really have this“For minor”Rumours of the，But similar secretly operation，Its feasibility and the general level is all unknown，And obviously is illegal。“Once been punished，Not only this loan growth，Will also affect future loan behavior and bear the corresponding legal responsibility。”

　　假离婚伤不起 False divorce can't afford to injury

　　有消息称，由于眼下单身外地人在沪购房受阻的消息，部分人为买房又打起“假结婚”的算盘，还有中介趁机做起了“一条龙”服务。

With the news，Because of the single outsiders in Shanghai of blocked news that buy a house，Part of the people to buy a house again dozen“Fake marriage”The abacus，And intermediary took the opportunity to start“one-stop”service。

　　所谓的“假离婚”、“假结婚”，实际上是在法律意义上的真结婚、真离婚，但这样做目的则是为了绕开限购令，获得购房资格。以往，就曾有过根据各地购房政策所产生的“假结婚”、“假离婚”行为，如通过离婚来使购房者未婚、且家庭名下没有房产；又或者通过结婚来满足“子女确有结婚购房需求”这类条件，从而顺利购房。

The so-called“False divorce”、“Fake marriage”，Is actually in the legal sense really get married、Really divorce，But this is 限购 purpose to get around that，Purchase qualifications for。previous，It had all produced according to purchase policies“Fake marriage”、“False divorce”behavior，Such as through a divorce to make the person that buy a house unmarried、And the family name no property；Or through the marriage to meet“Children have married the pent-up demand”This kind of condition，And smooth buy。

　　市面上冒出所谓的“一条龙”服务也大体如此：找到“结婚”人选，办出结婚证，给对方两万元名誉损失费。房产证办出来后，再办离婚。这样一来，非本市户籍的单身人士也因此找到了购房的“捷径”。

Pimple on the market of the so-called“one-stop”The service also generally so：find“married”candidate，Get marriage certificate，Twenty thousand yuan reputation losses to the other party。House property card do come out，To handle divorce。so，Not the registered permanent residence of this single persons are also so found the purchase“shortcut”。

　　不过，某大中介公司的经理告诉记者，相关的操作虽然看似可行，但经手这类操作的个别中介往往也是不顾声誉、铤而走险。同时，正是由于这样“假结婚”或是借用他人名义购房的行为使得房产方面的纠纷更加频发，到头来购房者“赔了夫人又折兵”，也只能吃哑巴亏，法律上很难获得支持。

but，A big intermediary company manager told reporters，Related operations while plausible，But to handle the type of operating of individual intermediary and is often disregard reputation、desperate。At the same time，It is because of this“Fake marriage”Or use the name of others buying behavior makes property of more frequent disputes，In the end the person that buy a house“Mrs Compensate and lose your friend”，Also can eat grievances，It is difficult to obtain legal support。

　　“公司购房”问题多 “The company buys a house”More questions

　　另外，还有一类“歪招”就是借用公司名义购买房产了。一些以公司名义购房者，甚至以购买房产进行抵押，再通过公司贷款的方式，将购房资金反贷出来。而且，因为银行可能对房产升值的预期，反贷几乎相当于20%左右的按揭首付。

In addition，And those“Bad idea that he”Use the name of a company is buying property。Some homeowners with company name，Even in order to buy the mortgage，Again through the company loans way，The loan will purchase money out。and，Because the bank might be in real estate appreciation expectations，The loan is almost equal to about 20% of the mortgage down。

　　从政策来看，“限购令”限制的人群是“户籍家庭”或“非户籍家庭”，对于以公司名义购买房屋则没有作出限制。然而，对于购房者来说，房屋产权登记在公司名下，有作为公司资产被法院强制执行还债的风险；对企业而言，因买房、贷款等合同均以企业名义对外签署，一旦个人在此过程中，未按约支付房款、贷款或相关费用，对外首先由企业承担付款责任。如果借空壳公司购房，则更是风险重重了。　　

From the policy to see，“限购 make”The crowd is limited“Census register family”or“The census register family”，To buy a house with company name is not make restrictions。however，For the person that buy a house is，House property right is registered in the company name，As the company has assets are court to pay off the debts of the risk；For the enterprise to，For buying a house、Loans to foreign enterprise name all contracts signed，Once the individual in the process，Failure to pay about house、Loans or related expenses，Foreign first liable for the payment of the responsibility by the enterprise。If borrow a shell company buys a house，Is fraught with risk。