以学生名义贷款买房并过户学生毕业购房成二套房 Take the student loans to buy a house and transfer students graduate purchase into two suites

　　河北大学影视艺术学院是河北北方教育投资有限公司与河北大学联合创立的二级学院。张扬(化名)2003年从该校毕业，他获得的文凭是河北大学颁发的美术学专业专科毕业证。

Hebei university of film and television art college is hebei north education investment co., LTD. And hebei university joint establishment of the secondary college.Make public(alias)2003 from the school graduation,He won his diploma is issued by hebei university of fine arts professional college diploma.

　　如今，已经快而立之年的张扬正为买房着急，中介告诉他，个人征信记录里已经有过一次住房贷款记录，只能按照二套房的政策来购买。

now,Everyone has the ZhangYangZheng fast to buy try so hard,Intermediary told him,Personal credit registries have had a housing loan records,Only according to the second suite policy to buy.

　　中介：夫妻双方的征信网上一查，只要有记录就是二套，石家庄都是这么算。

intermediary:Both sides of husband and wife's reference online check,As long as there is record is the second set,Shijiazhuang is so calculate.

　　在银行认房又认贷的政策下，张扬的首付提高到60%，这让他难以接受。

In the bank to recognize room and recognize credit policies,Make public increased from 60% to down payment,It makes him hard to accept.

　　张扬：首付这一块很难凑，凑个十几万二十万，还凑合，可一下涨了一倍，就是四十多万。

Make public:Down the block is difficult to gather together,Add several hundred thousand two hundred thousand,Not so bad,It can be doubled,Is more than forty.

　　张扬回忆，自己从未买过房，只是上大一的时候，和学校签订了一份垫付资金协议。河北大学影视艺术学院的一位老师说，当时2001级的美术、音乐、舞蹈、电视制作等专业的学生，大多数都在协议上签了字，部分老师也被要求参加。

Make public memory,They never buy a house,Just on the big one time,And school signed a disbursements capital agreement.Hebei university of film and television art college one teacher said,When 2001 level art/music/dance/TV production, and other professional students,Most of them are signed the protocol,Part of the teachers are required to attend.

　　目前，2001级的部分学生还保留着当时的那份协议，记者看到，协议的甲方，也就是销售方是河北北方教育投资有限公司，学生是乙方购买方。协议称：“

At present,A level 2001 part of students still retains the agreement at that time,The reporter sees,Agreement of party a,Is the sale is hebei north education investment co., LTD,Students are party b the purchaser.Agreement says:"由于乙方现有资金不足，特请甲方代为垫付所有购房费用，垫付期间房屋产权完全归甲方 Due to party b the existing fund shortage,On behalf of party a, please paid all the costs,During the payment to party a house property right completely　　”，但这份协议没有落款日期。

",But the agreement is not badging date.

　　张扬的个人征信记录显示，河北北方教育投资有限公司2002年6月用张扬的名义贷款八万五千元，期限30年，2008年3月还清，但其间还款有累计5次逾期。当时还是学生的张扬，申请贷款的工作单位被写成河北北方教育投资有限公司，年收入1万五千元。

Make public individual credit record,Hebei north education investment co., LTD. In June 2002 with the name of make a loan of eighty-five thousand RMB,Period 30 years,March 2008 to pay off,But meanwhile reimbursement have accumulated five overdue.At that time still student of make public,To apply for a loan work unit is in north hebei education investment co., LTD,The annual income five thousand yuan.

影响贷款利益受损学生申请赔偿难觅责任人 Influence loan interest damaged students to apply for compensation for the tapes

　　记者了解到，张扬等学生贷款购买的朗润园小区，就在河北大学影视艺术学院旁边，共17栋商品房。开发商是河北安联房地产开发有限公司，法人代表是“李德颂”，而“李德颂”也是河北大学影视艺术学院和河北北方教育投资有限公司的法人代表。

The reporter understands,Make public and student loans to buy green garden district,In hebei university college of film and television art beside,A total of 17 a commodity house.Developers is hebei allianz real estate development co., LTD,Legal representative is"LiDeSong",and"LiDeSong"Is the film and television art hebei university college and hebei north education investment co., LTD. Of the legal representative.

　　学校2002年用张扬的名义贷款购买了一套约90平米的住宅，当时的价格约10万7千元，从银行贷款8万5千元，2008年12月卖出，当时的市场价格该住宅约20万左右。仅通过张扬一人，学校相当于花了约2万，在7年时间里净赚18万。

School in 2002 with the name of the make public the loan to buy a set of about 90 square meters of housing,The price of about 107000 yuan,From bank loans of 85000 yuan,In December 2008 to sell,When the market price of the house about 200000 or so.Only through the make public one,The school is equivalent to spent about 20000,In 7 years net 180000.

　　河北新业律师事务所律师高平表示：学校应该承担赔偿责任。

Hebei new lawyer cao bang said:School should assume liability to pay compensation.

　　高平：当时学校借用学生的名义来进行银行贷款，导致学生现在再贷款上、买房上都受到了影响，这种影响是因为学校而导致的。学校作为受益方，应该承担责任。

Cao bang:Use the name of the students at school to bank loans,Causes students now on refinancing/The house was affected,This kind of influence is because school in.The school as benefited party,Should bear the responsibility.

　　然而就连河北大学影视艺术学院的老师都说，责任人不太好找。

However, even the hebei university of film and television art college teacher said,Responsible persons not too good looking for.

　　老师：最后找到集团，集团建了很多分公司，相当于防火墙，根本找不到人。

The teacher:Finally found group,Group built many branch offices,Is equivalent to a firewall,Can't find one.

　　的确，10年变迁，“李德颂”名下的河北安联房地产开发有限公司、河北北方教育投资股份有限公司等企业已经纳入新联合投资控股有限公司旗下。河北大学影视艺术学院已于2009年改制成新闻传播与艺术学院，并入石家庄理工职业学院。石家庄理工职业学院的投资方是21世纪教育集团，该集团属于新联合投资控股有限公司管理。

indeed,Ten years change,"LiDeSong"In the name of hebei allianz real estate development co., LTD/Hebei north education investment co., LTD., and other enterprises have been incorporated in the new joint investment holding co., LTD. Is its.Hebei university of film and television art college in 2009 ChengXinWen restructuring has spread and academy of art,Merge into shijiazhuang vocational college of science and technology.Shijiazhuang vocational college of science and technology of investors is the 21st century education group,The group belongs to the new joint investment holding co., LTD. Management.

　　河北大学影视艺术学院老师说，新联合投资控股有限公司董事局主席李雨浓就是李德颂。有老师称，他(李雨浓)就是法人，是投资者。

Hebei university of film and television art college teacher said,The new joint investment holding co., LTD., chairman of the board LiYuNong is LiDeSong.A teacher said,he(LiYuNong)Is legal person,Is investors.

　　记者1月5日、11日两次到21世纪教育集团，得到的答复都是等通知。

Reporter on January 5,/11, two to the 21st century education group,Get reply is wait for notice.

　　张扬说，从2011年5月起就为这事奔波，但都没有进展。学校提出赔偿方案是每个学生6000元，但他没有同意。张扬提出学校应帮忙把贷款记录消除，如果实现不了，希望学校能够赔付自己因利率差导致的损失。昨天，21世纪教育集团开会讨论了此事，但未有结论。事件进展，中国之声将持续关注。(记者吴喆华)

Make public said,From 2011 5 month for it on the run,But no progress.The school puts forward compensation scheme is every student is 6000 yuan,But he didn't agree.Make public schools should help put forward the loan records to eliminate,If not achieve them,Hoped the school can compensate for the loss of his interest cause.yesterday,The 21st century education group held a meeting to discuss it,But there is no conclusion.Event progress,The sound of China will continue to focus on.(Reporter 吴喆 China)