谁制造了“被供房”？ Who made"Is for room"?

　　从未贷款买房的方玲（化名），却在办理银行按揭贷款时被告知已有贷款记录。一查征信记录，她发现自己竟已“被供房”11年。近日，方玲通过南网、奥一网网络问政平台（wen.nfdaily.cn）发帖求助。

Never FangLing loan to buy a house(alias),But in conduction bank mortgage loan was told that have loan records.Check credit registries,She found herself have already"Is for room"11 years.recently,FangLing through the south network/He asked a network ZhengPing table(Wen. Nfdaily cn.)Post for help.

　　经了解，该房产位于方玲曾供职过的清远博爱学校，校方称这属于“历史遗留问题”，学校曾经的主管方称与自己关系不大，银行亦未明确表态。

After understanding,The house is located in the qingyuan FangLing have worked towards the school,Officials say it belongs to"Problems left over by history",School once the competent party says and their relationship is not big,The bank also said not clearly.

银行:暂不方便回应 Bank: temporary inconvenience response

　　“在我不知情的情况下，以我名义却供了十一年的房款，如果我不买房，我这辈子都不知情。”方玲在网帖中说，她今年本想按揭买房，却在查征信记录时发现，她名下早在2001年就向银行贷款近13万元购买了一套房产，供期20年，月供800多元。该房产地址为“博爱园B幢503”，是清远市博爱幼儿园的一栋楼。

"I don't know the situation,In my name but for eleven years of house money,If I don't buy a house,I've not informed."FangLing in net post said,This year she wanted to buy a house mortgage,But in check reference records found,Her name as early as 2001 to bank loans nearly 130000 yuan to buy a set of housing,For period twenty years,The month for the 800 multivariate.The house address for"Fraternal park B building 503",Love is a kindergarten qingyuan city building.

　　2001年，方玲曾在博爱学校任教，随后调去了其他学校。“后到银行查实，是博爱学校以我的名义买的……博爱学校为什么以我的名义供房呢？”而方玲本人不知情，学校又如何能够以其名义贷款？

In 2001,,FangLing was in love at school,Then transferred to the other school."After the bank to verify,Is love the school with my name to buy...Why love school with my name for the room?"And I don't know FangLing,How can the school and in the name of the loan?

　　更为诡异的是，在银行出示的“贷款合同”的签名页上，的确有其签名。“那是我的字迹应该没错，但签名后面还打着‘此页没有正文’的字样。我要看合同的具体条款，银行却拒绝。”

More strange is,In the bank of the show"Loan contract"Signature page,Have the signature."That is my handwriting should be yes,But a sign back‘This page no text’".I want to see the contract specific terms,The bank refused to."

　　“我想来想去，唯一的可能性就是当初学校说过要给我们分配宿舍什么的。”据方玲介绍，当年的确签过一些涉及住宿的合同。

"I'd like to go to,The only possibility is the first school said will give us distribution dormitory or something."According to FangLing introduced,When does sign some contract involving accommodation.

　　记者昨日就此询问涉事银行贷款中心的相关负责人，对方表示暂不方便回应。

Reporter yesterday question it in things of the relevant person in charge of bank loan center,The other said temporary inconvenience response.

学校：“校方其实也是受害者” The school:"In fact, it is the victim"

　　方玲在网帖中说，她曾就此事询问博爱学校的何姓董事长，对方的答复称“学校的历史遗留问题，与他无关，与学校也无关”。

FangLing in net post said,She had to ask the love school HeXing chairman of the board of directors,Each other's reply said"The school problems left over by history,He had nothing to do with,Has nothing to do with school".

　　昨日，记者拨打了该校董事长何小平的办公室电话，无人接听。记者随后致电博爱幼儿园、博爱学校办公室以及校长办公室，对方均确认，学校曾以教师个人名义贷款按揭了一批房产。一位不愿透露姓名的工作人员认为，方玲的事应找当时学校的主管单位清远市红十字会，“校方其实也是受害者”。

yesterday,Reporter dialed the chairman of the board of directors HeXiaoPing office phone number,No one answer.Reporter then call love kindergarten/Love the school office and the principal's office,Each other have been confirmed,The school had to teachers' personal loans mortgage a batch of real estate.One does not wish to disclose that the name of the staff,FangLing things should be looking for when the school authorities qingyuan city Red Cross,"In fact, it is the victim".

　　据了解，清远博爱学校开办于1998年，是由清远市红十字会创办的一所含小学和幼儿园、寄宿与走读兼容的新型学校。2005年前后，通过改制，红十字会全面撤出博爱学校。相关报道显示，红十字会只保留了学校名义上的3%股份。如今的博爱学校，已由公立变为私立。

It is understood,Qingyuan love school set up in 1998,The Red Cross is qingyuan city founded with a primary school and kindergarten/Boarding and day compatible new school.Before and after 2005,Through the restructuring,The Red Cross fully out of love school.Related reports,The Red Cross to keep only the school nominal 3% stake.Today's love school,Already the public into private.

　　对此，方玲认为，学校不能以此为由撇清关系。她在网帖中指出，目前该房产每月800多元的月供都是博爱学校在还款。“与学校无关，为什么学校每月还准时还贷？”

this,FangLing think,The school can't use this abandoned on the clear relationship.She said the net post,The property 800 yuan a month for the month is love school in reimbursement."Has nothing to do with school,Why every school on time owing on the loan?"

　　方玲表示，这房子她没有掏过一分钱，本来也与自己无关，但这份神秘“贷款合同”致其不能正常贷款买房。而据其了解，另有数十名教师也有同样的遭遇，“学校的工作人员都说，我不是第一个找上门的”。

FangLing said,The house she didn't take a penny,Have oneself have nothing to do with,But the mystery"Loan contract"Cause it can't normal loan to buy a house.And according to his understanding,Otherwise dozens of teachers also have the same thing,"School officials said,I'm not the first to seek".

红会：“解铃还需系铃人” Red Cross:"To the doer who tied the bell"

　　昨日下午，记者联系上清远市红十字会办公室一胡姓副主任。他坦率地承认了事情的存在。

Yesterday afternoon,The reporter contact qingyuan city Red Cross office deputy director of a dynasty.He frankly admitted that the presence of things.

　　据其介绍，2001年，学校为改善教师居住环境，与一批老师签署了“借款买房”的协议：学校借钱给老师偿还首付，作为代价，老师必须将房子回租给学校作为宿舍、教室等用途；学校每月帮老师还贷款，以抵租金；二十年贷款合同还清后，如果老师将首付款还给学校，即可取回房子的所有权。

According to the introduction,In 2001,,School teachers to improve the living environment,With a batch of teacher signed"Loan to buy a house"agreement:The school to lend the teacher pay down,As the price,The teacher must have the house back to school as a dormitory/The purposes of the classroom;School teacher return loan for a month,To rent to;Twenty years after the loan contract pay off,If the teacher will head back to school,Can retrieve the ownership of the house.

　　按此说法，老师在这个过程中不需要自己出一分钱，却可以在20年后选择拥有该房产的所有权，所以很多老师都签署了这个合同。那么，学校如果是出于增加校舍的需要，为什么不直接以学校的名义却要以教师的个人名义添购房产？胡主任并未对此给出正面答复，只是强调“11年前，法律还没有如今完善，我们打的也是法律的擦边球”。

Click here to view,The teacher in the process do not need oneself to a penny,In the twenty years later can choose has the ownership of the property,So many teachers have signed the contract.so,The school if it is out of the need to increase school buildings,Why not directly to the name of the school but with teacher's personal name add the production?Hu did not director is given by positive reply,Just emphasize"11 years ago,The law is not perfect now,We played also legal edge ball".

　　对于上述说法，方玲持保留态度：“我不记得这样的协议内容。如情况属实，房产应在我名下；对此，我很怀疑，需要去国土局查册证明。”

For the above statement,FangLing reservations:"I don't remember that the content of the agreement.If be the case,Real estate should be in my name;this,I doubt,Need to land and resources bureau check proof copies."

　　上述胡姓副主任认为，该问题一直都存在，老师们也大都知情，之所以现在会浮出水面，是因为限购等政策的影响，让老师们在买房过程中遭遇了麻烦，这是当初谁也没法预想到的情况。

The deputy director of the dynasty, think,This problem has always been there,Teachers are mostly informed,Are now emerging,Because of the influence of the purchasing policies,Let the teachers in the process of buying a house in the troubles,This is the first who can't foreseen situation.

　　“这个事情如果要解决，应该由学校、银行、个人三方去协商，将房产由个人过户回给学校，就消除了‘第二套房’的障碍；另外，因贷款合同记录无法消除，老师或会因此承担更高的贷款利率，这也应由学校和个人去商讨赔偿。”胡姓副主任表示，红会虽然是当时的主管单位，但并非合同的主体，如今更已和博爱学校没有太大关系，“只是出于责任给出建议，但解铃还需系铃人”。

"This thing if you want to solve,Should the school/The bank/Personal three parties to negotiate,The real estate by individual transfer back to the school,Eliminates the‘The second suite’obstacles;In addition,Because of the loan contract record can not be removed,The teacher or will therefore assume higher loan interest rate,This should also by the school and individuals to discuss compensation."Deputy director of the dynasty, said,Although the Red Cross was competent unit,But is not the subject of the contract,Now more already and humanity schools do not have too big concern,"Just out of responsibility give advice,But to the doer who tied the bell".