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当局警告地产经纪 勿制造恐惧唆使客户参加投资课程

by 林殊
16/11/2020
in 公共组屋, 地产, 时事, 社区, 财经
Reading Time: 1 min read
0

国家发展部与金融管理局批评,一些房地产投资教育者或房地产经纪人,试图利用恐惧策略,唆使客户参与投资课程,尤其是担心组屋贬值的客户。

据了解,这些房地产经纪或投资教育者,经常会以组屋贬值为题以制造买家恐慌,并告诉他们可以加入投资课程,或卖掉自家组屋将钱投资在私人或商业物业。

《海峡时报》报道,例如,近日一段视频,显示民众受访是否了解自家的组屋单位会逐年贬值,或询问他们是否真的为了维持升级而持续工作等的营销视频。

这些视频到最后会鼓励民众报名参加一个免费网络分享会,向他们分享能够“一劳永逸”的办法。

其中的“解决方法”包括,利用空壳公司申请更大的贷款购买商业地产,并宣称是“零资金投资”,吸引那些欲投资却无法投资的人。

种种营销手段也引发当局的关注,并发出联合声明,直指该行为不负责任。

“任何公司不宜贩卖恐惧和不确定性来吸引客户加入房地产投资课程,这是一种不负责任的营销策略,而且购买房产不应被视为是快速或简单致富的方式。”

尽管目前并无法采取任何行动,但金融管理局也提醒银行应该加强对商业地产贷款申请的调查,并予以房地产代理理事会(CEA)警告,不得向客户传达不正确、虚假或误导的信息,以向业主施压卖房,从中赚取佣金。

此前,建屋局的转手交易引发当局关注,光是在第三季度就飙升127.3巴仙。

因此房地产代理理事会也促请民众一旦发现房地产经纪的相关行为,请踊跃举报。

此外,《星期日报》也曾作出相关报道,指一些自称能够教育人们如何投资房地产的付费课程,确实令人担忧。这些课程会教育民众,即使在等待大规模的资本增值的同时,还能收取一些租金收入的好康。

这些课程也声称能够“以零资金或少资本下投资”,吸引资本较少的民众加入,为了能够让民众相信,公司开始吹捧各种短时间内拥有多项房产的成功经验,并让民众相信只要参加课程后,能够开始置产。

为了能够获得银行的巨额贷款,公司会唆使民众如何成立私人公司。

对此,当局发言人则回应,投资者必须意识到所面对的金融风险。

“虽然他们可能只拥有一部分产业,但如果贷款被取出来,如其他投资者违约,或租金收入不足时,他们可能需要承担全额贷款的责任。”

因此,金融管理局也提醒银行在审核贷款时需更谨慎,确定公司是否进行实质性商业活动,或是为了置产而设立的空壳公司,以及根据情况调整贷款价值比限额。

比起公司购买物业供自行使用相比,商业地产若用以收取租金,其贷款金额应更低,而大部分拥有真正业务的公司也可获得至少九成的贷款。

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