https://fang1234.cn/index.php?action=history&feed=atom&title=%E5%85%A8%E6%AC%BE%E6%8A%B5%E6%8A%BC%E6%80%9D%E8%B7%AF%E7%9A%84%E9%A3%8E%E9%99%A9
全款抵押思路的风险 - 版本历史
2026-05-05T18:22:02Z
本wiki上该页面的版本历史
MediaWiki 1.38.4
https://fang1234.cn/index.php?title=%E5%85%A8%E6%AC%BE%E6%8A%B5%E6%8A%BC%E6%80%9D%E8%B7%AF%E7%9A%84%E9%A3%8E%E9%99%A9&diff=22&oldid=prev
2022年10月5日 (三) 10:35 Oper
2022-10-05T10:35:16Z
<p></p>
<table style="background-color: #fff; color: #202122;" data-mw="interface">
<col class="diff-marker" />
<col class="diff-content" />
<col class="diff-marker" />
<col class="diff-content" />
<tr class="diff-title" lang="zh-Hans-CN">
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">←上一版本</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">2022年10月5日 (三) 18:35的版本</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l18">第18行：</td>
<td colspan="2" class="diff-lineno">第18行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div id="meta_content" class="rich_media_meta_list"></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div id="meta_content" class="rich_media_meta_list"></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text"> 唐老师傅 </span> <span id="profileBt" class="rich_media_meta rich_media_meta_nickname"> [<del style="font-weight: bold; text-decoration: none;">javascript:void(0); </del>唐老师傅Pro] </span></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text"> 唐老师傅 </span> <span id="profileBt" class="rich_media_meta rich_media_meta_nickname"> [唐老师傅Pro] </span></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div id="js_profile_qrcode" class="profile_container" aria-hidden="true" style="display:none;"></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div id="js_profile_qrcode" class="profile_container" aria-hidden="true" style="display:none;"></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l33">第33行：</td>
<td colspan="2" class="diff-lineno">第33行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div></div></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div></div></div></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>''2022-09-08 23:45'' ''发表于<span id="js_ip_wording">广东</span>''</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>''2022-09-08 23:45'' ''发表于<span id="js_ip_wording">广东</span>''<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;"></span></div></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div id="js_tags" class="article-tag__list single-tag__wrp js_single js_wx_tap_highlight wx_tap_card" data-len="1" role="link" tabindex="0" aria-labelledby="js_article-tag-card__left js_a11y_comma js_article-tag-card__right"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><span id="js_article-tag-card__left" class="article-tag-card__left" aria-hidden="true"> <span class="article-tag-card__title">收录于合集</span> <span class="article-tag__item-wrp no-active js_tag" data-url="https://mp.weixin.qq.com/mp/appmsgalbum?__biz=Mzg2MzcwODU2Mg==&amp;action=getalbum&amp;album_id=2480860975353708545#wechat_redirect" data-tag_id="" data-album_id="2480860975353708545" data-tag_source="4"> <span class="article-tag__item">#观点</span> </span> </span> <span id="js_article-tag-card__right" class="article-tag-card__right" aria-hidden="true">13个</span></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div id="js_content" class="rich_media_content autoTypeSetting24psection fix_apple_default_style" style="visibility: visible;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">[[File:./全款抵押思路的风险_files/640|class=rich_pages wxw-img|图片]]</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;"><del style="font-weight: bold; text-decoration: none;"><br /></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div></span></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">接上篇《</span>[http://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247485197&idx=1&sn=641716e87ac04f718b4dc387b7a43438&chksm=ce7533f0f902bae6036a6674c7ff6c8820f4d8cbf1c2a196cedb74a64761afb7974180beb523&scene=21#wechat_redirect <span style="font-size: 16px; letter-spacing: 0.5px; text-decoration: underline; visibility: visible;">抵押贷现在有多离谱</span>]<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">》，我发现干贷款中介的朋友们都喜欢在朋友圈里推销——“全款抵押”的业务，并渲染得神通广大/无所不能。</span></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">接上篇《</span>[http://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247485197&idx=1&sn=641716e87ac04f718b4dc387b7a43438&chksm=ce7533f0f902bae6036a6674c7ff6c8820f4d8cbf1c2a196cedb74a64761afb7974180beb523&scene=21#wechat_redirect <span style="font-size: 16px; letter-spacing: 0.5px; text-decoration: underline; visibility: visible;">抵押贷现在有多离谱</span>]<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">》，我发现干贷款中介的朋友们都喜欢在朋友圈里推销——“全款抵押”的业务，并渲染得神通广大/无所不能。</span></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l314">第314行：</td>
<td colspan="2" class="diff-lineno">第301行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(255, 76, 65);">总结：没有金刚钻就别揽瓷器活。</span></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(255, 76, 65);">总结：没有金刚钻就别揽瓷器活。</span></div></td></tr>
<tr><td colspan="2" class="diff-side-deleted"></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;"></div></ins></div></td></tr>
</table>
Oper
https://fang1234.cn/index.php?title=%E5%85%A8%E6%AC%BE%E6%8A%B5%E6%8A%BC%E6%80%9D%E8%B7%AF%E7%9A%84%E9%A3%8E%E9%99%A9&diff=21&oldid=prev
Oper：创建页面，内容为“<div id="js_article" class="rich_media" style="position:relative;"> <div id="js_top_ad_area" class="top_banner"> </div> <div id="js_base_container" class="rich_media_inner"> <div id="page-content" class="rich_media_area_primary"> <div class="rich_media_area_primary_inner"> <div id="img-content" class="rich_media_wrp"> = 全款抵押思路的风险 = <div id="meta_content" class="rich_media_meta_list"> <span id="copyright_logo" class="wx_tap_link js_wx…”
2022-10-05T10:34:33Z
<p>创建页面，内容为“<div id="js_article" class="rich_media" style="position:relative;"> <div id="js_top_ad_area" class="top_banner"> </div> <div id="js_base_container" class="rich_media_inner"> <div id="page-content" class="rich_media_area_primary"> <div class="rich_media_area_primary_inner"> <div id="img-content" class="rich_media_wrp"> = 全款抵押思路的风险 = <div id="meta_content" class="rich_media_meta_list"> <span id="copyright_logo" class="wx_tap_link js_wx…”</p>
<p><b>新页面</b></p><div><div id="js_article" class="rich_media" style="position:relative;"><br />
<br />
<div id="js_top_ad_area" class="top_banner"><br />
<br />
<br />
<br />
</div><br />
<div id="js_base_container" class="rich_media_inner"><br />
<br />
<div id="page-content" class="rich_media_area_primary"><br />
<br />
<div class="rich_media_area_primary_inner"><br />
<br />
<div id="img-content" class="rich_media_wrp"><br />
<br />
= 全款抵押思路的风险 =<br />
<br />
<div id="meta_content" class="rich_media_meta_list"><br />
<br />
<span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text"> 唐老师傅 </span> <span id="profileBt" class="rich_media_meta rich_media_meta_nickname"> [javascript:void(0); 唐老师傅Pro] </span><br />
<div id="js_profile_qrcode" class="profile_container" aria-hidden="true" style="display:none;"><br />
<br />
<div class="profile_inner"><br />
<br />
'''唐老师傅Pro''' [[File:https://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247487305&idx=1&sn=10bf8f0caf44d52b3a3423960ca3c131&chksm=ce753bb4f902b2a2dc2b61a7f8f903922d03521f9b02e745d715b0bf3d0dcfb08c4288899481&scene=178&cur_album_id=2480860975353708545|class=profile_avatar]]<br />
微信号 <span class="profile_meta_value">tanglaoshifupro</span><br />
<br />
功能介绍 <span class="profile_meta_value">可能是东半球最熟深圳楼市的人之一！</span><br />
<br />
<br />
</div><br />
<span id="js_profile_arrow_wrp" class="profile_arrow_wrp"> '''' '''' </span><br />
<br />
</div><br />
''2022-09-08 23:45'' ''发表于<span id="js_ip_wording">广东</span>''<br />
<br />
</div><br />
<div id="js_tags" class="article-tag__list single-tag__wrp js_single js_wx_tap_highlight wx_tap_card" data-len="1" role="link" tabindex="0" aria-labelledby="js_article-tag-card__left js_a11y_comma js_article-tag-card__right"><br />
<br />
<span id="js_article-tag-card__left" class="article-tag-card__left" aria-hidden="true"> <span class="article-tag-card__title">收录于合集</span> <span class="article-tag__item-wrp no-active js_tag" data-url="https://mp.weixin.qq.com/mp/appmsgalbum?__biz=Mzg2MzcwODU2Mg==&amp;action=getalbum&amp;album_id=2480860975353708545#wechat_redirect" data-tag_id="" data-album_id="2480860975353708545" data-tag_source="4"> <span class="article-tag__item">#观点</span> </span> </span> <span id="js_article-tag-card__right" class="article-tag-card__right" aria-hidden="true">13个</span><br />
<br />
</div><br />
<div id="js_content" class="rich_media_content autoTypeSetting24psection fix_apple_default_style" style="visibility: visible;"><br />
<br />
[[File:./全款抵押思路的风险_files/640|class=rich_pages wxw-img|图片]]<br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;"><br /><br />
</span><br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">接上篇《</span>[http://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247485197&idx=1&sn=641716e87ac04f718b4dc387b7a43438&chksm=ce7533f0f902bae6036a6674c7ff6c8820f4d8cbf1c2a196cedb74a64761afb7974180beb523&scene=21#wechat_redirect <span style="font-size: 16px; letter-spacing: 0.5px; text-decoration: underline; visibility: visible;">抵押贷现在有多离谱</span>]<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">》，我发现干贷款中介的朋友们都喜欢在朋友圈里推销——“全款抵押”的业务，并渲染得神通广大/无所不能。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">其中心思想基本围绕着：</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; color: rgb(0, 122, 170); visibility: visible;">抵押贷不受限贷和指导价政策的影响，可以直接办理7-9成的贷款。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">原本有过房贷记录或二套，只能5-8成首付的购房人群，因为政策限制总价预算起不来。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px; letter-spacing: 0.5px; visibility: visible;">可以利用这个规则，先让担保公司垫钱去全款买入房子，然后再去找银行抵押，进而变相做成3成甚至更低的首付。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">除了把首付做低外，全款买房还能让急迫卖房的业主们更快拿到房款进而借此乘机压价，又或者贷款不限制后能将网签价做低进而适当降低税费。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">抵押贷的利率低（3.2-4%），还款方式也是先息后本不还本金，同样的贷款金额下，抵押贷每个月还贷要比房贷低近一半。。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">行业内这块流程已经相当常规了，有n多操作案例，渠道稳定，只要找我们，yyds，思维决定出路，balabalabala。。。。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">看着确实诱惑力的，但似乎大多人并不会说代价和风险是啥，或者为了促单会可以弱化业务缺陷。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">所以这篇我主要想将全款抵押这业务剥开理想化的面纱后，说下将会面临的核心问题在哪，到底值不值这样玩，以及适合怎样的人群。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">一、</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">首先是成本，大概会有如下构成部分。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">1，垫资利息，首付之外的金额得担保公司出钱，</span><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">利息大概是0.08%/天以上</span><span style="font-size: 16px;letter-spacing: 0.5px;">，顺利的情况下！！！！持续一个多月。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">2，银行的渠道成本，因为是刚过户的单子，原则上大部分银行不符合业务准入条件。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">敢接单的银行，都是冒着风险接的单，自然也得收钱，不同银行不同阶段费率有差别，</span><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">普遍收费贷款金额的1%左右。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">3，贷款中介的服务费，他们提供信息匹配方案并协调整个流程并包装资料执行落地啥的，</span><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">所以普遍也得收贷款金额的1%左右费用。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">4，抵押贷在18年之后，消费导向的业务被监管收窄了基本停了，所以现在市场上的抵押贷基本都经营性质，变成了抵押经营贷。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">和常规抵押贷没啥区别，只是得套了个公司的壳子来申请，所以申请的前置条件也少不了必须名下有改善，而且持股和注册时间有要求。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">通常做的时候都得买个注册满一年以上的公司，</span><span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">行情大概是4000-6000元每个，还要多个千把块钱每年的记账报税成本。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">二、</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">然后是风险。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">如果一切顺利的情况下，这4块的成本，只是麻烦了点，其实也不是很难接受，毕竟比起原本只能高首付购房的情况下，带来的正面优势效益还不错。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">但问题是，抵押经营贷本身就不是完全合规的业务，顺着市场冷暖，监管对其的合规要求也会跟着浮动。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">遇到有监管压力的时候，哪怕是正常的抵押经营贷，也会有成本攀升还款方式变差及做不下来的风险。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">只是这两年国内的经济和市场很差，银根宽松， 很多人没过过苦日子，不知道官方的尿性。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">单纯只是这块的不稳定性还好，毕竟这是个比较大的市场，风格转换和楼市调控一样，是个比较缓慢的过程，不会快节奏的切换。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">但深圳在20年之后，因为深房理/蟹姐姐事件，银保监限制了所有银行刚过户房产的抵押，明面上就直接不允许银行们接过户未满半年房产抵押的业务。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">只是这两年市场差了，舆论和监管的压力没那么大，有的银行内部人员想赚钱，会试着来打擦边球。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">通常都是些如SH YC 之类的小行，时不时就有那么一两家阶段性的会冒出来收单，业务到了一定程度又毫无征兆的躺平。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">也因为其业务的不合规性，每年通常会有那么随机几个月的时间，合规会稍微敏感些，出现没有银行敢接单的情况。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">相当于刚过户不满半年房子的抵押，是属于经营贷这种不那么合规的业务中的小众不合规业务。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">其比较难把控的稳定性和成功率也就成了核心问题。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">三、</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">通常贷款中介们会说，没毛病呀，来呀，造作呀，可以先预审，确定能做再来办。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">但他们肯定不会说，办理正式贷款的前置条件，必然是绕不开得先让担保公司出钱全款买入。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">由于会牵扯到房产证产权的变更，预审出的批复压根没啥效力，只是客户经理简单做的评估。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">如果到了实际操作过程中，能不能审批还是有不确定性在。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">一旦这一两家能接受刚过户抵押的独苗银行歇菜了，又或者合规收紧这些独苗都避风头去了，就没有其他银行能抢救，几乎接近于裸奔。</span><span style="letter-spacing: 0.5px;color: rgb(0, 122, 170);font-size: 14px;">（最近一两个月就遇到这状态了 ）</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">而担保公司这边钱垫出去了，利息每天白花花的烧着，房子也买了过完户了，完全没有任何的回头路。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">不把担保公司这边欠的钱给还上，利息很快就会拖垮人，然后淘宝见。</span><span style="letter-spacing: 0.5px;font-size: 14px;">（司法查封 挂淘宝拍卖）</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">所以就算银行不接收，不论如何也一定要找到机构，不惜代价的把房子给抵押出去，临时贷款把担保公司的钱给还上。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">这是就得找民间机构抢救了，这块的行情大概是。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">1年期，先息后本，年化14%+的利息和+1%左右的手续费。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">贵是贵了点，但也比担保公司这边28.8%以上的年化要实在。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">然后在民间机构这边躺半年，符合正常银行的准入条件后，再办个正常的抵押贷，实现上岸。。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">四、</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">这其中不稳定的问题，对于大部分普通小白购房者而言很不友好，缺乏足够的容错率，所以真的非常不建议。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">原本可以三成首付的人没必要多此一举，五六成首付的人群，如果想强行压低首付，最好是找身边朋友拆借。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">或者预算不变先买正常办理房贷，等半年后再考虑加按或抵押贷的方案，这样会稳妥很多，只不过综合成本而言，只是压低两三成首付意思也不大。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">在实际的业务场景中，会选择这类操作方案的人，结果上也基本都是首付在七八成或者本身具备全款的实力和预期。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">只是想顺带看能不能将首付压下来，这种情况下就还好。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;">也因为限制多不稳定的特性，别看大多中介张口闭口说全款抵押信手捏来，好像非常常规和普遍，完全没啥难度。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(0, 122, 170);">实际上在贷款中介机构中，这类业务在在抵押经营贷中的占比相当之小，占比5%都没有，绝大部分中介都并没有经受手过一遍流程。。。只是纸上谈兵罢了。</span><br />
<br />
<br /><br />
<br />
<br />
<span style="font-size: 16px;letter-spacing: 0.5px;color: rgb(255, 76, 65);">总结：没有金刚钻就别揽瓷器活。</span></div>
Oper