“认房认贷”下，这几类人需注意
2010
05/21
10:28
3020
目前，北京各商业银行对二套房贷款的认定较严格，在"既认房又认贷"的标准下，借款人都需要注意什么呢？为此记者采访了"伟嘉安捷"的相关专业人士，有七类借款人需要引起注意。
●第一类：父母名下有住房，以未成年子女名义再购房的人群
典型案例：A家庭成员名下有唯一一套住房，父母想以正在上高中的儿子（未成年）的名义再申请贷款购买一套住房。
专家解析：根据"国十一条"中的条款，家庭成员包括借款人、配偶及未成年子女，也就是说未成年子女也是被划为家庭范畴的，所以A家庭以儿子的名义申请贷款购房时，会按
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