How to get a fake divorce after buying a house: full analysis of risks, cases and legal consequences
In recent years, in order to avoid purchase restriction policies or obtain lower mortgage interest rates, "fake divorce" home purchases have become commonplace. This article combines the hot topics on the Internet and provides you with an in-depth analysis of this gray operation through structured data.
1. Statistics of the latest hot cases in 2024
| area | Case characteristics | Amount involved | Processing results |
|---|---|---|---|
| Beijing | Couple remarries after being eligible to buy a house | Total real estate value 8.6 million | Cancellation of house purchase qualifications |
| Shanghai | After divorce, one party enjoys the first interest rate | Loan difference 310,000 | Recover the difference + fine |
| Shenzhen | Apply for mortgage with fake divorce certificate | Loan amount 5 million | Criminal liability filing |
2. Typical operating procedures for fake divorce house purchase
1.Qualification assessment stage: Verification of the number of properties under the couple’s name, and calculation of possible additional house purchase quotas after divorce
2.property division stage: The property belongs to one party through an agreement, and the other party obtains "houseless status"
3.Divorce processing stage: Divorce by agreement with the civil affairs department (forged divorce certificates in some cases)
4.House purchase implementation stage: Apply for house purchase qualifications and loan discounts in the name of "homeowner"
3. Comparison of legal risk data
| Risk type | civil consequences | administrative consequences | criminal consequences |
|---|---|---|---|
| fake divorce | Property division agreement is invalid | Damaged credit history | - |
| Forged documents | - | administrative penalty | Crime of forging state agency documents |
| Loan fraud | Early loan recovery | Included in financial blacklist | Loan fraud |
4. Key points of policy supervision upgrade in 2024
1.Divorce retroactive period extended: Several cities have extended the restriction period for divorce house purchase from 1 year to 3 years.
2.Fund flow monitoring: Banks strengthen review of abnormal flow of funds in accounts before and after divorce
3.Multi-department data sharing: Real-time docking of civil affairs marriage data and real estate registration system
4.credit joint punishment: Violators will face penalties such as a ban on provident fund loans within 5 years.
5. Suggestions from professionals
Real estate lawyer reminds:There are three major uncontrollable risks in buying a house after a fake divorce: First, there is no "fake divorce" in law, and registration will take effect; second, the division of property may be false; third, once it is verified, it will face the consequences of "losing both house and property." Current regulatory technology can already identify abnormal divorce and home-purchasing behavior through big data analysis. By 2024, 17 cities have established early-warning systems for divorce and home-purchase.
Financial experts point out:Serious imbalance between costs and benefits. Taking a loan of 3 million yuan as an example, the interest rate discount obtained by fake divorce is about 0.5%, and the annual saving is 15,000 yuan. However, once it is verified, the minimum penalty standard is a fine of 2% of the loan amount (60,000 yuan) plus the increase in financing costs caused by credit downgrade.
The statistical period of the data in this article: July 1 to July 10, 2024, collected from the official website of the Ministry of Housing and Urban-Rural Development, China Judgment Document Network and mainstream media reports. Readers are requested to abide by laws and regulations and never take the law into consideration.
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