十余年后毕业生买房有了大麻烦

After more than ten years graduates to buy a house was in big trouble

　　2001年，河北大学影视艺术学院利用200多位学生的个人信用套取银行贷款，导致这些学生在走向社会后购买首套房时不能享受利率优惠。今天，河北大学影视艺术学院毕业生袁峰(化名)向记者诉说了他的遭遇。

In 2001,,Hebei university college of film and television art by more than 200 students' personal credit show the bank loan,Lead to these students to buy in society after the first suite cannot enjoy preferential interest rates.today,Hebei university of film and television art college graduates YuanFeng(alias)To reporter revealed his encounter.
高校毕业生创业贷款免息两年

College graduates career development loan non-interest bearing two years? ?? ?
　　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。去年袁峰准备在石家庄买套房子，但销售方告诉他，他个人征信记录里已有过一次房贷记录，只能按照二套房的政策买房，这样袁峰如果买房就需要缴纳全部房款60%的首付，并且还款利率还要上调15%，让他感到经济压力很大。

Hebei university of film and television art college is hebei north education investment co., LTD. And hebei university joint establishment of the secondary college.Last year in shijiazhuang YuanFeng ready to buy a house,But a series of told him,His personal credit registries for a mortgage record,Only according to the second suite policy to buy a house,This YuanFeng if buy a house will need to pay the house money a 60% down payment,And reimbursement rates will increase 15%,Let him feel the pressure.

　　自称从没买过房的袁峰为何有了房贷记录呢？

Claims to never buy the house YuanFeng why have mortgage record?

　　原来在大一的时候，他和学校签订过一份垫付资金协议。当年学院开了大会动员大家签订协议，支持学校建设，并保证对未来没有影响，多数学生稀里糊涂地就签了字。

Originally in the big one time,He and the school signed a contract agreement paid money.The institute opened the mobilization we signed an agreement,Support school construction,And guarantee to have no effect on the future,The majority of students muddleheaded it is signed.

　　目前，2001级的部分学生还保留着协议书，协议甲方，也就是销售方河北北方教育投资有限公司，学生是乙方购买方。协议称：“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”。就这样，200多位学生就在银行有了贷款记录。

At present,A level 2001 part of students still preserved the agreement,Agreement party a,Also is a series of hebei north education investment co., LTD,Students are party b the purchaser.Agreement says:"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".so,More than 200 students in the bank loan records.

　　如今，这些毕业生在购房时都遇到了麻烦：首付款比例提高，让他们难以承受。另外，按照规定，有超过3次的逾期还款记录，将无法贷款。这些毕业生的个人征信上多数都有3次以上的逾期还款记录而这些逾期还款记录跟学生根本没有关系。

now,The graduates in when buying are in trouble:Head to improve the proportion,Let them hard to bear.In addition,According to the regulation,There are more than three times the overdue repayment record,Will not be able to loan.These graduates personal reference on majority has 3 times more overdue repayment record and the overdue repayment records have no relation with the students.

　　“以后我们若开公司，到银行贷款也会遇到大麻烦，别人造成的不诚信记录为何算到我们头上？” 袁峰很无奈。

"Later if we start a company,To bank loans will also meet big trouble,Others caused by the good faith does not record why calculate to our head?" YuanFeng very helpless.

　　这些毕业生从去年开始就在寻求解决办法，但相关责任人一直无法找到，不得已他们准备诉诸法律。

These graduates from last year start looking for solution,But the relevant responsible persons have been unable to find,They are ready to resort to the law.

　　记者今天致电该学院，该学院学生处一位值班工作人员称，事情过去了很长时间，目前学校又放假，对此事不好答复。

Reporters at the school today,The college student affairs with a duty officials say,Things in the past for a long time,At present the school holiday again,The matter not reply.

　　当时被动用了个人信用记录的不只是学生，还有影视艺术学院的老师。其中一位老师对媒体透露，当时动用学生信用记录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，现在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。

Was the use of personal credit records is not just a student,And the film and television art college teachers.One teacher to media,At that time the use of students' credit record of hebei allianz real estate development co., LTD/Hebei north education investment co., LTD., and other enterprises,Now has 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.

　　由于当年学校并没有把正式的贷款合同交给学生，袁峰还专门去当时的承办银行查找贷款合同。孰料，该银行却称没有他们的贷款记录。“中国人民银行的个人征信上明明显示着我们在这个银行贷的款，怎么现在又没有？”这让袁峰感到不解。

Because the school is not the formal loan contract to students,YuanFeng is devoted to the search for the bank loan contract.ShuLiao,The bank say they have no record of their loans."The people's bank of China personal reference on clearly shows us in the bank loan money,How now again have no?"It makes YuanFeng felt puzzled.

　　另一位有此遭遇的同学张征(化名)说：“不要影响到买房，恢复我们的个人征信记录。这是我们的要求。” (记者车辉)

Another classmate ZhangZheng this has happened(alias)said:"Don't affect to buy a house,Restore our personal credit registries.This is our requirements." (Reporter CheHui)