全国首例！34人布局，买11套房后集体消失，涉案超6000万元……
本帖最后由 一星微光 于 2024-1-5 07:32 编辑<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics.app.cnyw.net/static/publish/css/style.css?v=1605251010499" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010499"><!-- 付费贴--> <div class="preview_article "> <!----> <p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105071727front2_0_531849_FiFTpAJpynoSD-yjUZQe4SO_2mFH.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="970" height="381" data-qf-origin="forum/20240105071727front2_0_531849_FiFTpAJpynoSD-yjUZQe4SO_2mFH.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105071727front2_0_531849_FiFTpAJpynoSD-yjUZQe4SO_2mFH.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105071727front2_0_531849_FiFTpAJpynoSD-yjUZQe4SO_2mFH.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4" color="#000080"><b>来源：长江云新闻 </b></font></p><p><font size="4"> </font></p><p><font size="4"><br></font></p><p style="text-align: center;"><font size="4">今年6月</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">上海市公安局经侦总队协同青浦公安分局</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">破获了一起发生在2019年的</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">全国首例房贷诈骗案</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">警方发现</font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4">上海青浦区的某个小区</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff">有11套房产都出现了恶意欠贷</font></p><p style="text-align: center;"><font size="4" color="#0000ff"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff">业主多年联系不上</font></p><p style="text-align: center;"><font size="4" color="#0000ff"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff">房子也被银行拍卖</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105071810front2_0_531849_FmApC54anlZQ1aFwoxtSTrjcKyN4.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105071810front2_0_531849_FmApC54anlZQ1aFwoxtSTrjcKyN4.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105071810front2_0_531849_FmApC54anlZQ1aFwoxtSTrjcKyN4.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105071810front2_0_531849_FmApC54anlZQ1aFwoxtSTrjcKyN4.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4">警方随即组成专案组开展侦查</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">发现这些贷款人都有共同的特点</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">↓↓↓</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4" color="#8b0000">大部分来自较偏远地区，没有固定收入，从家庭条件看，也并没有经济实力在上海买房；</font></p><p><font size="4" color="#8b0000"> </font></p><p><font size="4" color="#8b0000">他们本身的资质也不符合在上海购买房子的条件；</font></p><p><font size="4" color="#8b0000"> </font></p><p><font size="4" color="#8b0000">他们其实也没有意愿在上海买房。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4">这样的贷款人通常</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">也没有过银行借贷记录</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">俗称“白户”</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">专案组调查发现</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">↓↓↓</font></p><p><font size="4"> </font></p><p><font size="4" color="#8b0000"> </font></p><p><font size="4" color="#8b0000"> </font></p><p><font size="4" color="#8b0000">这些断供的贷款人，收入证明、社保流水等都是伪造的；</font></p><p><font size="4" color="#8b0000"> </font></p><p><font size="4" color="#8b0000">他们购买的二手房价格也远远高于同期市场价格。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">警方对银行流水综合研判，迅速锁定一个制造虚假证明材料、勾结房产中介等实施贷款诈骗的团伙。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4">那么</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">经犯罪团伙的包装</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">身在偏远地区的“小白”</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">想要在上海贷款买房</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">总共要分几步呢？</font></p><p style="text-align: center;"><font size="4"> </font></p><p style="text-align: center;"><font size="4">警方揭秘</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>第一步</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>高回报吸引“小白”来沪</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>承诺没有信用风险</b></font></p><p><font size="4" color="#0000ff"><b> </b></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">2019年9月，因为非沪籍在上海购房必须是夫妻，不法分子就在老家召集夫妻到上海贷款买房。小李轻信了，不法分子称需要小李夫妇俩配合他们，在上海贷款买一套房子，一旦贷款下来，他们就能获得60%的报酬。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">被高额回报吸引的小李夫妇第一次来上海，办理了银行卡和电话卡就回去了。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105071832front2_0_531849_Fgjlbl6j9JIZmbaBQIGqIQvVYfzS.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105071832front2_0_531849_Fgjlbl6j9JIZmbaBQIGqIQvVYfzS.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105071832front2_0_531849_Fgjlbl6j9JIZmbaBQIGqIQvVYfzS.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105071832front2_0_531849_Fgjlbl6j9JIZmbaBQIGqIQvVYfzS.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>第二步</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>说服房东</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>配合双倍做高房屋总价</b></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">房东徐女士多年前投资了青浦的一套199平的顶层复式房。后来，她因故急于将房产抛售套现，但挂牌后一直无人问津。后来，一个姓沈的中介主动找上了她。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">徐女士价值253万的房产，合同价做高到550万元。2019年，当时商业贷款首付比例为35%，贷款金额357万元，徐女士实际到手的房价253万元。除去各种税费，中介可以得手约为85万元。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105071847front2_0_531849_FhmYkd-AMG4hQl5VHnE6NgxNXqOD.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105071847front2_0_531849_FhmYkd-AMG4hQl5VHnE6NgxNXqOD.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105071847front2_0_531849_FhmYkd-AMG4hQl5VHnE6NgxNXqOD.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105071847front2_0_531849_FhmYkd-AMG4hQl5VHnE6NgxNXqOD.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">时隔两周，小李夫妇再一次来上海，签订房屋买卖合同。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>第三步</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>完善全套资料</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>通过银行贷款审批</b></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">这是小李夫妇第三次来上海，去银行签订贷款合同。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105071906front2_0_531849_FiuQo06rfEp52_LKXT1PjzSMki_i.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105071906front2_0_531849_FiuQo06rfEp52_LKXT1PjzSMki_i.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105071906front2_0_531849_FiuQo06rfEp52_LKXT1PjzSMki_i.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105071906front2_0_531849_FiuQo06rfEp52_LKXT1PjzSMki_i.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">贷款中介，是专门负责会包装买家的财务状况，根据贷款数额的推算，为买家定制达到放款标准的收入证明等材料。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">随后，银行工作人员收取仅2000元好处费，就不惜瞒着银行暗箱操作。再配合房屋评估报告，就能完成贷款审批。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>第四步</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>贷款审批通过</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>双方交易过户</b></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">贷款审批通过，就正式交易过户，这是买房双方在整场交易中，唯一的一次碰面。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072033front2_0_531849_FoQJt-1mxevp3oqIzTylsaDh72Ig.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105072033front2_0_531849_FoQJt-1mxevp3oqIzTylsaDh72Ig.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072033front2_0_531849_FoQJt-1mxevp3oqIzTylsaDh72Ig.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072033front2_0_531849_FoQJt-1mxevp3oqIzTylsaDh72Ig.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">过户完成，房东拿到贷款后，扣除自己的房屋价格，将多余的钱全部转给了中介。如果以多贷款60万元为例，中介公司分取45万，贷款公司6万元，黄牛公司12万元。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072217front2_0_531849_Fj-3jZ632kC4dz0SLuwdmFiI2hKk.png?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="603" height="616" data-qf-origin="forum/20240105072217front2_0_531849_Fj-3jZ632kC4dz0SLuwdmFiI2hKk.png?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072217front2_0_531849_Fj-3jZ632kC4dz0SLuwdmFiI2hKk.png?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072217front2_0_531849_Fj-3jZ632kC4dz0SLuwdmFiI2hKk.png?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>第五步</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>榨干利用价值</b></font></p><p style="text-align: center;"><font size="4" color="#0000ff"><b>利用“小白”再申请信用卡</b></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">乍看起来，黄牛只拿了12万元的报酬，但实质上，房产过户后，小白一跃成了握有房产的优质客户。他们稀里糊涂签了一堆申请材料，申领了多张信用卡。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">因此，小李就在不知不觉中，被透支了100多万的信用额度。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072229front2_0_531849_FppUIaowWVtu8Ksfw_rVql3L9jh9.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="1437" data-qf-origin="forum/20240105072229front2_0_531849_FppUIaowWVtu8Ksfw_rVql3L9jh9.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072229front2_0_531849_FppUIaowWVtu8Ksfw_rVql3L9jh9.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072229front2_0_531849_FppUIaowWVtu8Ksfw_rVql3L9jh9.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">警方梳理了2019年当地房价明显虚高的交易，<font color="#0000ff">发现有11套房产涉嫌贷款诈骗，涉案金额超过了6000万元。</font></font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072242front2_0_531849_FpVhxcExRxlVw7b3OMBmHsFOHjKc.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="1080" height="608" data-qf-origin="forum/20240105072242front2_0_531849_FpVhxcExRxlVw7b3OMBmHsFOHjKc.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072242front2_0_531849_FpVhxcExRxlVw7b3OMBmHsFOHjKc.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072242front2_0_531849_FpVhxcExRxlVw7b3OMBmHsFOHjKc.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">专案组通过对银行流水与贷款合同综合研判，迅速锁定了以宁某、郭某为首的犯罪团伙。在上海市公安局经侦总队的协助下，专案组于6月底在本市及外省市多地集中收网，捣毁一个制造虚假证明材料、勾结房产中介等实施贷款诈骗、信用卡诈骗的团伙，抓获宁某、郭某等34名犯罪嫌疑人。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072253front2_0_531849_Fp5pGSTGeJVsvdjI_3rlugaax-ov.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="450" height="600" data-qf-origin="forum/20240105072253front2_0_531849_Fp5pGSTGeJVsvdjI_3rlugaax-ov.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072253front2_0_531849_Fp5pGSTGeJVsvdjI_3rlugaax-ov.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072253front2_0_531849_Fp5pGSTGeJVsvdjI_3rlugaax-ov.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="3" color="#708090">假的收入证明</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">经查，2019年至2022年期间，犯罪嫌疑人宁某、郭某等人在外地招募了一批文化水平较低、无正当工作、经济收入低且未从银行借贷过的人员（俗称白户人员）集中来沪，随后勾结不良房产中介，利用职务便利伪造、虚构经济收入证明、社保流水等资料，将白户人员包装成有贷款能力的优质客户，同时伙同房东郑某等人做高房价。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">随后以这些白户人员名义，假意从郑某等人处购买多套位于上海市的房产，郑某等人在明知对方的行为违法的情况下，为牟利仍然配合房产中介签订阴阳购房合同，抬高房价、出具虚假首付收据，随后通过一些存在业绩压力的银行业务员且审核较松的银行申请购房贷款，高买房屋、多贷款，从而达到骗取银行贷款的目的。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072305front2_0_531849_FhA8v9F9W1bTwKOqdgaoeF6pQriT.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="450" height="600" data-qf-origin="forum/20240105072305front2_0_531849_FhA8v9F9W1bTwKOqdgaoeF6pQriT.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072305front2_0_531849_FhA8v9F9W1bTwKOqdgaoeF6pQriT.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072305front2_0_531849_FhA8v9F9W1bTwKOqdgaoeF6pQriT.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="3" color="#696969">假的收据</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">在获取贷款后犯罪团伙将房屋弃置，放任房贷逾期，致使多家银行受损。经深挖，专案组还发现该团伙还利用“白户”名下房产<font color="#0000ff">向银行申请多张高额度信用卡，开卡后立刻套取全部额度现金，随后就将卡丢弃，逾期也不归还</font>，同样造成多家银行损失。</font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p class="empty_paragraph"><font size="4"> </font></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pics.app.cnyw.net/forum/20240105072353front2_0_531849_FsWtOIdI6D3iLa8hYjGHKVhz09i6.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" alt="" width="450" height="600" data-qf-origin="forum/20240105072353front2_0_531849_FsWtOIdI6D3iLa8hYjGHKVhz09i6.jpg?watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb="https://pics.app.cnyw.net/forum/20240105072353front2_0_531849_FsWtOIdI6D3iLa8hYjGHKVhz09i6.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast" data-qf-thumb-origin="forum/20240105072353front2_0_531849_FsWtOIdI6D3iLa8hYjGHKVhz09i6.jpg?imageView2/2/w/1080|watermark/1/image/aHR0cDovL3BpY3MuYXBwLmNueXcubmV0L18yMDE5MDQyNTA5MTYwMF81Y2MxMGE1MDc5ZjY2LnBuZw==/dissolve/100/gravity/SouthEast"></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p style="text-align: center;"><font size="3" color="#696969">抬高房价资料</font></p><p class="empty_paragraph"><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4"> </font></p><p><font size="4">截至被查，案件涉案金额超6000万元。目前，犯罪嫌疑人宁某、郭某等34人因涉嫌贷款诈骗罪已被青浦警方依法采取刑事强制措施，案件正在进一步侦办中。</font></p><p> </p><p> </p><p> </p><p><br></p><p><br></p><p> </p><p><font color="#8b0000">长江云新闻官方出品 | 转载请注明出处</font></p><p> </p><p> </p><p> </p><p> </p><p> </p><p>来 源：长江云新闻综合东方110 看看新闻Knews</p><p> </p><p> </p><p> </p><p> </p> <!----></div> <!----> 这主要是银行工作人员的问题！放贷员会不清楚房屋的评估价？放贷人员是主犯！
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