二手房中介打银行旗号收贷款担保金 私下揣进腰包

央广网  2015-08-12 08:40

[摘要] 近，石家庄王女士遭遇了一件自己莫名奇妙的事，她通过21世纪房产中介买了一套二手房，交了中介费以后，中介还让她缴纳贷款服务费和贷款担保金，难道中介费还不包括跑贷款的手续费吗，担保金又是干什么用的呢？

据中国之声《央广新闻》报道，近，石家庄王女士遭遇了一件自己莫名奇妙的事，她通过21世纪房产中介买了一套二手房，交了中介费以后，中介还让她缴纳贷款服务费和贷款担保金，难道中介费还不包括跑贷款的手续费吗，担保金又是干什么用的呢？

石家庄的王女士通过21世纪二手房中介花了95万元买了一套二手房，当她交了3万块钱的定金和17000元的中介费之后，办理贷款时中介又提出要交4000块钱贷款担保金，说是银行收取的，跟中介没有什么关系，王女士觉得要顺利的把款贷下来，没多想就把这个款给中介支付了，后来这个王女士就越想越不对劲，就去银行进行咨询，得到的答案却是银行根本不收取这笔费用，当她来到中介，向中介询问明白的时候，她才知道这部分费用终是落入了房产中介的腰包。

记者咨询了石家庄本地的国大、创联和四合等房产中介，他们现在也都按贷款总额1%的比例来收取贷款担保金，石家庄房天下电商平台一位姓张的工作人员透露，这个贷款担保金就是贷款服务费，是中介办理贷款的跑腿费，只是名称不一样而已，很多中介打着银行的名义进行收取，有的中介还说为了保护房主的利益，购房者贷款批不下来的时候，他会把尾款打给房主，然后再给你办理贷款，其实这是一种托词，业内人士说，如果你的资料审核不过，贷款办不下来的话，中介根本不会给你过户，所以这笔贷款担保金是根本不会收取的。记者也咨询了一些律师，律师说，如果房产中介为有有贷款需求的客户办理手续，增加了工作量，除了中介费，可以收取一部分的贷款服务费，但如果是贷款担保金的话应该在银行放款后将这笔费用退款给购房者。

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