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假按揭是众多的按揭风险的一种。按揭风险是什么,如何防范按揭风险?让保险业全面介入楼宇按揭法律关系,使保险与按揭各方利益得到最佳组合。随着个人住房贷款业务的蓬勃发展,按揭风险也逐渐显现出来,假按揭便是众多的按揭风险的一种。按揭风险产生的原因是多样的,造成的危害后果也非常严重,往往会给国家,特别是银行造成巨大的损失,同时,也会给开发商及申请银行贷款的借款人带来风险。那么,这些风险是什么,如何防范这些风险呢?本文将从风险分析和风险防范两个角度对这些问题进行研讨:
Fake mortgage is a kind of mortgage risk. What is the mortgage risk and how to prevent the mortgage risk? Let the insurance industry be fully involved in the legal relationship of mortgage loans so that the best combination of insurance and mortgage parties’ interests can be obtained. With the vigorous development of personal housing loan business, the mortgage risk is also gradually revealed, and false mortgage is one of a large number of mortgage risks. The causes of mortgage risk are various and the consequences of the damage are very serious, which often cause great losses to the country, especially the banks. At the same time, it also brings risks to developers and borrowers who apply for bank loans. So, what are these risks, how to prevent these risks? This article will discuss these issues from two angles: risk analysis and risk prevention: