1) 房地产界乱象:销售,房贷和银行三方联手提供假工作证明,假工资单,假收入,假税表 2) 恭喜多伦多登上世界上房地产最大泡沫荣誉

Jay Wang

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1) https://www.cbc.ca/news/business/marketplace-mortgage-fraud-1.6614132

2) Toronto picked as UBS’s bubbliest housing market as prices drop - BNN Bloomberg

Real estate agents caught on hidden camera facilitating mortgage fraud for a fee​

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Fake employment records, bank statements and T4’s offered to would-be homebuyers​

Tiffany Foxcroft, David Common, Matthew Pierce · CBC News · Posted: Oct 14, 2022 4:00 AM ET | Last Updated: 6 minutes ago

mortgages-headline-image.jpg

Using hidden cameras, Marketplace producers found some real estate agents offering to facilitate mortgage fraud, for a sale. (CBC)


As interest rates rise, qualifying for a mortgage is getting harder for buyers, but that isn't stopping some real estate agents from making a sale. An undercover investigation by CBC Marketplace has exposed some networks of real estate agents, mortgage brokers and bank employees facilitating mortgage fraud for a fee.

They are recorded on hidden camera offering to connect buyers with fabricated documents showing fake employment, salaries and tax filings, so buyers can obtain loans they would not otherwise qualify for.

It's a lucrative business. Real estate agents say the teams charge one per cent of the mortgage amount for the fabricated mortgage application. This is in addition to other commissions that can be earned once the sale is finalized.

On the sale of a $637,673 home, the average sale price in Canada, a real estate agent would typically make $16,000 to $32,000 in commission, while the mortgage agent could earn upward of $2,550 in commission from a lender.

  • Watch the full investigation tonight at 8 p.m. (8:30 NT) on CBC-TV or stream anytime on CBC Gem.
While some consumers actively seek out and participate in this fraud, Marketplace has learned that some real estate agents are also taking advantage of unwitting buyers. Newcomers are particularly at risk, as they may not fully understand the home-purchasing process. New Canadians are also less likely to immediately qualify for a mortgage at one of Canada's big banks, as their employment and credit history in Canada is more likely to be limited.

Experts in law and financial crimes say what Marketplace has uncovered is illegal under the Real Business Brokers Act and the Mortgage Brokerages, Lenders and Administrators Act. Submitting a fraudulent mortgage application is also a violation of Canada's Criminal Code.

Consequences for buyers and the market​

This crime also has repercussions for Canadians as a whole, says Dan Eisner, CEO of True North Mortgage.

"As interest rates rise and house prices drop, these buyers are most likely to default on their payments and that can put further downward pressure on the housing market through panic sales," he said.

True North Mortgage has detected and stopped multiple fraudulent applications submitted to the company, along with counterfeit tax and employment documentation such as T4s and letters of employment that reference fake company names and phone numbers, where a real person will pick up and a real website exists.

As home prices continue to plummet, these buyers are at greater risk, Eisner says.

"If people obtain mortgages fraudulently and they thought their backup plan was to sell the house if I can't afford it, that backup plan's disappearing. It also keeps honest people out of the market as they compete for various homes."

The Real Estate Council of Ontario (RECO) would not talk to Marketplace on camera about the findings of the investigation.

In a statement, RECO's registrar Joseph Richer wrote: "Agents should expect to be prosecuted if they engage in mortgage fraud."

For real estate agents, falsifying mortgage information or assisting in the falsifying of information can result in fines up to $50,000, prison for up to two years, or suspension or revocation of the agent's licence.

In the past five years, RECO says it has disciplined seven real estate agents or brokers and laid charges under the Provincial Offences Act against several others.

Mortgage fraud is a growing problem, according to Carl Davies, head of fraud and identity at Equifax Canada. The credit bureau flags between 15,000 and 24,000 suspicious mortgage applications each month, for lenders.

"Sixty-seven per cent of the applications that we find, or are tagged by our members as fraudulent, are actually related to that kind of misrepresentation," he said. "It's by far and away the biggest indicator of fraud or biggest risk of fraud we see in that space today. "

Marketplace staff posed as homebuyers with hidden cameras​

To understand where mortgage fraud often starts, two Marketplace employees went undercover with hidden cameras, posing as new Canadians looking to purchase their first home.

The pair visited 10 properties for sale by real estate agents or brokerages where previous research indicated fraud may be taking place.

Marketplace's undercover buyers told each agent that they had enough money for a 20 per cent down payment, but were unsure about their eligibility for a mortgage since one of them had an undeclared cash income. This factor alone would disqualify them for a mortgage at Canada's big banks.

The agents all recognized the couple would not qualify for the mortgage needed to purchase the home, but six out of 10 went on to offer to facilitate mortgage fraud by connecting the couple with counterfeit documents and brokers who would submit the application on their behalf.

WATCH | Real estate agents caught pushing mortgage fraud on camera:


Mortgage_Fraud_hidden_cam_02_(1).jpg


Real estate agents caught pushing mortgage fraud on camera​

2 hours ago
Duration 2:01
Six out of ten real estate agents offered to help would-be buyers fraudulently qualify for a mortgage, according to a CBC Marketplace Investigation. David Common reports for The National.
"Income is not an issue," said one real estate agent while showing documents he was working on for other clients. "This is what we turn into their income. Even if you are making zero dollars, even if you are a housewife, we can make the income. The only thing we cannot make is credit."

"You know, by books, you will not qualify," said another agent, who went on to describe how his contacts could help. "They will do some documentation showing that you guys are making more and they will get you what you want. But they cannot openly say it out in public because that's not true."

"They will make a T4, they will make like she is on the payroll, they will use any company's payroll and put their name onto that, right," said a third.

Three of the six real estate agents caught offering to facilitate mortgage fraud work for HomeLife Miracle Realty Ltd., which has five brokerages across the Greater Toronto Area and one in Cambridge, Ont. Marketplace has also spoken with several buyers who say agents working for the same brokerage pushed them toward fraudulent mortgage applications or submitted one without their knowledge.

When reached for comment, the agents documented on hidden camera either didn't respond or told Marketplace they refer clients to legitimate brokers but don't deal in mortgages themselves.

Ajay Shah, the broker of record for HomeLife Miracle Realty Ltd., said he does not condone the behaviour Marketplace told him it captured on camera, and said the three agents documented represent just a fraction of their sales and the 3,000 agents working under his supervision.


homelife-miracle-realty.jpg

The real estate brokerage HomeLife Miracle Realty Ltd., has five branches across the Greater Toronto Area and Cambridge, Ont. Three of the six real estate agents caught on camera offering to facilitate mortgage fraud work for HomeLife Miracle Realty Ltd. (CBC)
If shown evidence of wrongdoing, Shah said he would act but ultimately opted not to participate in an on-camera interview and did not view the footage.

"Of course, the maximum I can do is fire them because I'm not the authority to take the licences away from these [agents]. That only RECO can do," Shah said.

Industry needs better oversight, expert says​

Forensic accountant Jennifer Fiddian-Green says these findings are an indication the real estate industry needs better oversight.

"We need the regulatory bodies to monitor more and go in and do practice inspections, all of that," she said. "We need our people on the front lines to be alert and agile so that we can respond."

Mortgage broker Sanjeet Mand agrees that a lack of enforcement is allowing this crime to flourish in the real estate and mortgage industry.

"I think it's insidious," he said. "I think we need to get these people out of this business."


sanjeet-mand.jpg

Sanjeet Mand works as a mortgage broker in Brampton, Ont. He worries about how prevalent mortgage fraud has become and says more enforcement is needed. (CBC)
Mand said he has lost out on referrals when some real estate agents have told him they only work with brokers willing to provide fake documents and fraudulent applications.

"Anytime you talk to someone it's like, 'Oh, can you make me documents?' It shoots our credibility."

To test how often mortgage agents will provide false documents without a referral from a real estate agent, Marketplace producers also cold-called 25 mortgage brokers or agents in five hot real estate markets across the country including the Greater Vancouver area, Calgary, Edmonton, the Greater Toronto Area and Montreal. The majority of mortgage agents said they would not help with a fraudulent mortgage application, but nearly one in five said they would.

"My team will ask for $3,000 and I charge one per cent of the mortgage amount," said one mortgage agent, offering to help with the fraud.



In Ontario, the Financial Services Regulatory Authority (FSRA) is responsible for disciplining mortgage agents. It says the brokers in this scenario would be considered in violation of the Mortgage Brokerages, Lenders and Administrators Act, which prohibits agents from facilitating dishonesty, fraud, crime or illegal conduct.

In a statement, the FSRA said: "A mortgage broker or agent shall not act, or do anything or omit to do anything, in circumstances where he or she ought to know that by acting, doing the thing or omitting to do the thing, he or she is being used by a borrower, lender, investor or any other person to facilitate dishonesty, fraud, crime or illegal conduct."

Mortgage fraud pushed through at Canada's big banks​

Marketplace's investigation has also found that fraudulent mortgage applications supported by fake employment and tax documents are being pushed through by individuals working at Canada's biggest banks.

"You will get the bank rate, you will get everything from the bank," said one real estate agent in response to a question about where the fraudulent mortgage would come from.

"There are three or four [people] who are my own guys, right? This is not their first time or their third time doing this. They are in with the banks. They find some alternatives for even the underwriters."

Fiddian-Green says banks need to take the blinders off and be more vigilant in their verification process.

"Let's look at those documents and do some due diligence to make sure that they're bona fide. It doesn't take too long to look at an occupation, look at the employer, make a phone call, do a Google search and find out that there are problems."

Eisner of True North Mortgage says his company calls every employer on the applications but many other lenders don't.

"I guess they look at their portfolio and say, 'Well OK, maybe some percentage is fraudulent,' and they're OK with that."

'There's no one to turn to'​

While the consequences of this crime rarely fall on the perpetrators, it can have devastating impacts on would-be homebuyers.

Chris and Bibi Harding, who immigrated from Guyana in 2021, were shocked when they discovered that a Scotiabank employee submitted a fraudulent mortgage application on their behalf.

"All our information had been altered,'' said Bibi, recalling the day she went into the branch to provide her social insurance number and learned that fake employment information was connected to her and her husband's accounts.

Their employment profiles, which the branch teller printed out for them, indicated that Chris works as an operations manager for a hardwood flooring company. The same profile claims Bibi works for a tax company.

Neither are true. Chris runs businesses in his home country from Canada and has not been employed since arriving in the GTA. Bibi had only ever worked at an elementary school.


chris-and-bb-harding.jpg

Chris and Bibi Harding discovered fraudulent employment information submitted with their mortgage application at Scotiabank. They believe a Scotiabank employee was responsible for submitting the fake information. (CBC)
In hindsight, the Hardings believe the Scotiabank home financing adviser they used for their mortgage application submitted false employment information under the direction of their real estate agent.

"She indicated that she was given my contact information by the realtor, and she would be able to get us the loan through Scotia," said Chris.

The Scotiabank employee requested $5,000 to set up profiles for the mortgage application. The Hardings say they sent the money, believing it to be a legitimate fee.

After discovering the fraud, the Hardings complained to Scotiabank but then received a letter directing them to close their accounts immediately.

"I was thinking at this point, 'OK, you come to Canada hoping to get a better [life] and everybody is just taking advantage of you.' There's no one to turn to that will actually represent you and say, 'Hey, this is not how things are done here.'"

Scotiabank told Marketplace it takes accusations of fraud seriously and has since returned $5,000 to the Hardings and reinstated their accounts. It also says the employee who handled their mortgage application no longer works at Scotiabank.

The banks need to be a player in the response to mortgage fraud as well, says Fiddian-Green.

"We need to get better at working together to be really specific and get at this kind of activity and shut it down, and share, share this so that people can see what's happening, and know how to spot it early."

2)

Toronto picked as UBS’s bubbliest housing market as prices drop​


Ari Altstedter, Bloomberg News








Toronto’s housing market is looking like the world’s biggest real estate bubble, with Frankfurt not far behind in a UBS Group AG study of cities with the greatest potential for home-price declines in the coming months.
Canada’s financial capital rose to the top position in the Swiss bank’s annual ranking of real estate markets most in danger of correcting. Cities from Amsterdam to Tokyo also saw their risk levels increase, according to a report released Wednesday.
Home values in many cities are looking shakier than they have in years as central banks race to tame inflation by jacking up interest rates, suddenly making it far more expensive to get a mortgage. In some places, notably Toronto, that’s already resulted in price declines. But with odds rising that higher borrowing costs will cause a global economic slowdown and job losses, the downturn in real estate may just be getting started, UBS said.
“We are witnessing the global owner-occupied housing boom finally under pressure,” the bank wrote in its report. “In a majority of the highly-valued cities, significant price corrections are to be expected in the coming quarters.”
Embedded Image

Record-low interest rates deployed by policy makers through the pandemic, along with the demand for larger living spaces that lockdowns provoked, drove housing markets around the world into a buying frenzy for much of the past two years. That’s now starting to reverse as rates rise.
In Toronto, benchmark home prices jumped 71 per cent in the three years through February, data from the Canadian Real Estate Association show. Since then, they’ve fallen 8.6 per cent.
The bank warned other cities may face the same pressure as homeowners start to get squeezed by higher mortgage costs on one side, and job losses on the other.
Toronto, and Canada, may be leading the way.
“Recent rate hikes by the Bank of Canada could be the last straw that broke the camel’s back,” according to the UBS report. “New buyers and owners during mortgage renegotiations not only need to pay higher interest rates but are also required to provide more income to qualify for a mortgage. Price correction is already in the making.”

这文章太不和谐了,摆明说拿大上下全民皆是骗子啊!
 

billwanhua

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这文章太不和谐了,摆明说拿大上下全民皆是骗子啊!
你这是给全加拿大人上眼药。
应该是加拿大上下全民都是邓小平黑猫派,深谙通融和变通
 

奶夕

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你不发中文版的?看不懂鸟语
 

奶夕

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中文标题,内容英文版只适合你自个看
 

billwanhua

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中文标题,内容英文版只适合你自个看
加拿大不学英文?虽然标题是中文,楼主贴的一堆内容都是英文
 

rayzhang

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加拿大正在逐渐走向将欺骗正常化,就要与众不同。跟很快正常化LGBTQ, marijuana,easy assisted death一样。

现在贷款,买房,上好学校,投资理财,教育服务,不骗反而不正常。

移民,税务是另一个培养欺骗正常化的地方。
 
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贾和平

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这文章太不和谐了,摆明说拿大上下全民皆是骗子啊!
Overstated? maybe.

I remember over 10 or 15 years ago, CTV W5 program had such a story.

The Automotive Protection Association (APA) let a female driver drive a RAV 4 with loose battery terminals connection to garages in GTA and Calgary to check why her RAV 4 sometimes won't start. A few trusted garages (less than 3 out of 9 or10 if my memory serves me right) gave honest diagnoses. One was run by a new immigrant from China, who didn't speak much English when CTV interviewed him outside his garage. He honestly located a possible problem of a loose battery connection and free of charge for the checkup. His garage was named the most honest garage in GTA. The rest of the garages, big and small, quoted the problem as either starter or alternator problems, etc. repairing costs from just over $500 up to $1000.

O Canada? More like Ah Canada!
 

travelkey2014

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印度人学米蛮的有点晚吧,FANNIE MAE都被救活了、
 

rayzhang

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你不发中文版的?看不懂鸟语
(Google Translate)

*** 地产经纪人被隐藏的摄像头捕获,为抵押贷款欺诈提供便利,以此获利。

向潜在购房者提供虚假就业记录、银行账单和 T4......

作者: Tiffany Foxcroft, David Common, Matthew Pierce · CBC News ·
发表于: 周五Oct 14, 2022 4:00 AM ET

随着利率的上升,购房者获得抵押贷款的资格越来越难,但这并没有阻止一些房地产经纪人照常进行房产销售。CBC Marketplace的一项秘密调查揭露了一些房地产经纪人、抵押贷款经纪人和银行员工社交网络,这些网络为谋取利益而为抵押贷款欺诈提供了便利。

隐藏的摄像头记录了他们正给买家提供伪造文件,里面显示了虚假的就业、工资和税务申报的信息,这样买家就可以获得他们原本没有资格获得的贷款。

这是一项利润丰厚的业务。房地产经纪人说,通过捏造虚假的抵押贷款申请, 他们团队可以收取总抵押贷款金额的 1%做手续费用,这是不包含在房产销售完成后可获得的佣金的额外收入。

在加拿大的平均房屋售价为 640,479 元,房屋出售时,房地产经纪人通常会获得 16,000 元至 32,000 元的佣金,而抵押贷款经纪人则可以从贷方那里赚取 2,550 元以上的佣金。

虽然一些消费者积极寻找并参与这种欺诈行为以便买到房子,但Marketplace了解到,一些房地产经纪人也在利用不知情的买家进行欺诈。新移民尤其可能面临此风险,因为他们可能并不完整了解整个购房的程序。新来加拿大的人也不太可能立即有资格在加拿大的一家大银行获得抵押贷款,因为他们在加拿大的就业和信用记录是更加有限的。

法律和金融犯罪专家表示,根据安大略省的《房地产和商业经纪人法》和《抵押经纪人、贷款人和管理人法》,Marketplace揭露的上述行为是非法的。提交欺诈性抵押贷款申请也违反了加拿大的刑法。

##对买家和市场的影响
True North Mortgage 的首席执行官 Dan Eisner 表示,这种犯罪行为也对整个加拿大人产生了影响。

“随着利率上升和房价下跌,这些买家最有可能拖欠贷款的还贷,更进一步,他们可能通过恐慌性抛售给房地产市场带来进一步的下行压力,”他说。

True North Mortgage 成功地检测并终止了提交给其公司的多个欺诈性房贷申请,以及伪造的税收和就业文件,例如 T4 和引用虚假公司名称和电话号码的雇佣信,虽然公司和电话是假的,但是有真人接电话而且公司的网页也存在(作假逼真)。

Eisner说,随着房价的继续暴跌,这些买家面临更大的风险。

“如果人们以欺诈方式获得抵押贷款,并且他们认为他们的备用计划是在我负担不起的情况下卖掉房子,那么备用计划不复存在了(房价在跌,亏损太多)。这也会让诚实的人被排斥在房市之外,因为这些欺诈的人也在参与竞价购买。”

安大略省房地产委员会(RECO)拒绝在镜头前与Marketplace谈论这些调查结果。

在一份声明中,RECO 的注册专员 Joseph Richer 写道:“如果房地产经纪人参与抵押贷款欺诈,他们应该会受到起诉。”

对于房地产经纪人/代理商来说,伪造抵押信息或协助伪造信息可能会导致最高 50,000 元的罚款、最高两年的监禁,或者暂停或吊销经纪人的执照。

RECO 表示,在过去五年中,它已对七名房地产经纪人或代理商进行了纪律处分,并根据《省犯罪法》对其他几名人员提出了指控。

安大略省房地产协会主席Tim Hudak周五在回应市场调查的新闻稿中说:“违反法律并违反安大略省消费者信任的房地产经纪人应该被淘汰出局。 ”

“安大略省房地产委员会(RECO)需要额外的工具来调查这些不良行为,并对严重违规者处以更重的罚款,并暂停或取消执照。”

Equifax Canada 的主管欺诈和身份的 Carl Davies 表示,抵押贷款欺诈是一个日益严重的问题。信用局每月为贷款方识别了 15,000 至 24,000 份可疑的抵押贷款申请。

“我们发现的或被我们的会员标记为欺诈的申请中,有 67% 实际上与上面描述的虚假有关,”他说。“这无疑是我们今天在该领域看到的最大欺诈标识或最大欺诈风险。”

##带有隐藏摄像头的CBC Marketplace工作人员伪装成购房者

为了了解抵押贷款欺诈经常从哪里开始,两名Marketplace员工用隐藏的摄像头进行卧底,冒充新来的加拿大人想要购买他们的第一套房子。

两人参观了 10 处房地产经纪人或经纪公司出售的房产,这些地方在之前的研究中表明可能存在欺诈行为。

Marketplace的卧底买家告诉每个中介,他们有足够的钱支付 20% 的首付,但不确定他们是否有资格获得抵押贷款,因为其中一个有未申报的现金收入。仅这一因素就会使他们失去在加拿大大银行获得抵押贷款的资格。

代理商都承认这对夫妇没有资格获得购买房屋所需的抵押贷款,但十分之六的地产经纪人继续提出,可以把这对夫妇介绍给伪造文件和代表他们提交申请的贷款经纪人,来完成抵押贷款欺诈。

##房地产经纪人被抓到在镜头前推动抵押贷款欺诈

根据 CBC Marketplace的调查,十分之六的房地产经纪人提供帮助了潜在买家以欺诈方式获得抵押贷款资格。(David Common 为 The National 报道)。

“收入不是问题,”一位房地产经纪人展示了他正在为其他客户处理的文件时说。“这些文件就是我们可以把他们变成有收入的人。即使你收入为零元,即使你是家庭主妇,我们也可以让你们变成有收入。我们唯一不能帮你们欺诈的的就是信用。”

“你知道,按书面规定,你没有资格,”另一位经纪人也说。 他接着描述了他的贷款联系人如何提供帮助。“他们会做一些文件证明你们赚得更多,他们会帮你得到你想要的。但他们不能公开说出来,因为那不是真的。”

“他们会做T4,他们做得好像她在工资单上,他们可以借用任何公司的工资单并取而代之,将他们自己公司的名字写在上面,对吧,”第三位说。

被隐藏摄像头捕捉到的为抵押房贷欺诈提供便利的六名房地产经纪人中的三名的来自 HomeLife Miracle Realty Ltd. 该公司在大多伦多地区有五家经纪公司,在安大略省Cambridge有一家。Marketplace与几位买家进行了交谈,他们说这家经纪公司工作的代理人把他们推向欺诈性抵押贷款申请,或者是在他们不知情的情况下帮他们提交了一份。

在事后征求意见时,被隐藏摄像机捕捉到的代理商要么没有回应,要么告诉Marketplace,他们将客户推荐给合法经纪人,但自己不处理抵押贷款。

HomeLife Miracle Realty Ltd. 的持牌经纪人 Ajay Shah 表示,他决不容忍Marketplace隐藏摄像机上捕捉到的欺诈行为,并表示记录在案的这三名经纪人仅占公司销售额的一小部分,而在他的监督下工作的有 3,000 名经纪人.

如果有不法行为的证据,Shah说他会采取行动,但最终选择不参加CBC镜头采访,也没有观看CBC提供的录像。

“当然,我能做的最多就是解雇他们,因为我无权从这些代理人手中夺走许可证。只有 RECO 才能做到,”Shah 说。

##专家说,地产行业需要更好的监督

法务会计师 Jennifer Fiddian-Green 表示,这些调查结果表明房地产行业需要更好的监督。

她说:“我们需要监管机构进行更多监控,并进行实践检查,所有这些。” “我们需要前线人员保持警惕和敏捷,以便我们能够做出反应。”

抵押贷款经纪人Sanjeet Mand同意,缺乏有力的执法,导致这种犯罪在房地产和抵押贷款行业蓬勃发展。 “我认为这是非常阴险的,”他说。“我认为我们需要让这些人离开这个行业。”

Mand说,当一些房地产经纪人告诉他,他们只与愿意提供虚假文件和欺诈性申请的经纪人合作时,他就失去了被推荐的机会。

“任何时候你和别人说话的时候,就像,'哦,你能给我做假文件吗?' 它打击了我们的信誉。”

为了测试抵押贷款代理人在没有房地产经纪人推荐的情况下,提供虚假文件的频率, Marketplace还cold-call了全国五个热门房地产市场的 25 名抵押贷款经纪人或代理人,包括大温哥华地区、卡尔加里、埃德蒙顿、大多伦多地区和蒙特利尔。大多数抵押贷款代理人表示他们不会帮助处理欺诈性抵押贷款申请,但五分之一的人表示他们会。

“我们的运作团队将要价 3,000 元,而我只收取抵押贷款金额的 1%,”一位愿意帮助欺诈申请的抵押贷款代理人表示。

在安大略省,金融服务监管局 (FSRA) 负责监管抵押贷款代理人。它说,在这种情况下,经纪人将被视为违反了《抵押经纪人、贷款人和管理人法》,该法禁止经纪人为不诚实、欺诈、犯罪或非法行为提供便利。

FSRA 在一份声明中说:“在他或她(贷款经纪)被借款人、贷款人、投资者或任何其他人利用,来助长不诚实、欺诈、犯罪或非法行为时, 在他或她应该知道通过采取行动、做某事或不做某事的情况下,抵押贷款经纪人或代理人不得采取行动,或做任何事情或不做任何事情”

##加拿大大银行的抵押贷款欺诈
Marketplace的调查还发现,在加拿大最大的银行工作的雇员正在推动由虚假就业和虚假税务文件支持的欺诈性抵押贷款申请。

“你会得到银行利率,你会从银行得到一切,”一位房地产经纪人在回答有关欺诈性抵押贷款的来源的问题时说。

“有三,四个人是我自己的人,对吧?这不是他们第一次或第三次这样做。他们就在银行里。他们甚至为承销商找到了一些替代方案来欺诈。”

Fiddian-Green 表示,银行需要摘掉这些盲点,在贷款验证过程中更加警惕。

“让我们仔细检查这些文件并做一些尽职调查,以确保它们是真实的。查看职业、查看雇主、拨打电话、进行谷歌搜索,从而找出问题。”

True North Mortgage 的 Eisner 表示,他的公司会在检查贷款申请时,致电每位贷款人的雇主,但许多其他贷款公司没有这么做。

“我猜他们看着他们的投资组合会说,‘好吧,也许有某些百分比的欺诈性’,他们觉得那样也没问题。”

##“求助无人”

虽然这种犯罪的后果很少落在肇事者身上,但它可能对潜在的购房者产生毁灭性的影响。

Chris 和 Bibi Harding 于 2021 年从圭亚那移民,当他们发现Scotiabank的员工代表他们提交了欺诈性抵押贷款申请时,他们感到震惊。

“我们所有的信息都被篡改了,”Bibi 回忆说,那天她去分行提供她的社会保险号码时,得知虚假的就业信息关联在她和她丈夫的账户上。

分行柜员为他们打印的就业档案表明,Chris是一家硬木地板公司的运营经理。同一个资料称,Bibi 在一家税务公司工作。

两者都不是真的。Chris在加拿大运营他在的祖国的企业,自抵达 GTA 以来一直没有工作。Bibi只在小学工作过。

事后看来,Harding夫妇认为,他们的Scotiabank的抵押贷款申请顾问,在其房地产经纪人的指导下提交了虚假的就业信息。

“她(贷款顾问)表示,房地产经纪人向她提供了我的联系信息,她将能够通过 Scotia 为我们获得贷款,”Chris说。

Scotiabank 的这名员工要求 5,000 元费用来建立抵押贷款申请的资料, Harding夫妇说给她寄了钱,夫妇二人以为这是一笔合法的花销。

发现欺诈行为后,Harding夫妇一家向Scotiabank投诉,但随后收到一封指示他们立即关闭他们账户的信。

“我当时在想,‘好吧,你来加拿大是希望过上更好的[生活],而每个人都在利用你。’ 没有人可以去求助并代表你说,'嘿,这里做事不是这样做的。'”

Scotiabank 告诉Marketplace,它认真对待欺诈指控,并已向 Hardings 退还 5,000 元, 并恢复了他们的账户。它还说,处理抵押贷款申请的员工不再在Scotiabank工作。

Fiddian-Green 说,银行也需要参与应对抵押贷款欺诈。“我们需要更好地合作,才能真正做到具体化,发现这些非法活动, 并将其阻止和分享。 分享这些欺诈,以便人们知道正在发生什么,并知道如何及早发现它,制止它。”
 
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