Real estate credit: beware of this scam that can make you lose your whole contribution

Domille almost was the victim of a false banking advisor offering him a mortgage at a very low rate, and asking him to turn his personal contribution to the so-called sequestration of a “partner company”.

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Of the mortgage rate Decreasing for more than a year, now close to 3% in this month of February 2025, that encourages suitors for ownership of ownership to materialize their project, put to sleep when the rates exceeded 4%. But “Watch out for attempts toLoan loan scam! “warns Domitille, who almost was a victim. “If you do a mortgage on the internet, you may be called by a crook who claims to be a known bank advisor and who offers very low rates”she testifies.

Domille remains amazed by the list of documents requested by this person to subscribe to a mortgage: “They corresponded perfectly to those usually requested”. “To credibility their speech, crooks use Documents having the header logos of authorized establishments to grant credits in France ”confirmed the prudential and regulatory control authority (ACPR), backed by the Banque de France, last September, when she had already warned against the Multiplication of false mortgage offers.

Identity theft

But as Domitille is not at her first mortgage, she is wary when the so-called advisor sends her the bank identity of the banking identity “Releasing account of a partner company “on which she must turn all of his contribution personL. Taking care of sending any penny, she had the bank identity statement checked by her own bank, which confirms to her that it is a scam. A classic of the genre, according to the ACPR: “After signing the false credit offer, the crooks ask the victims to pay their personal contribution by payment on accounts which are sometimes open to establishments whose identity is usurped ”. “The requests received on this theme as part of our public service of the” infobanque-assurance “public” are numerous “indicates to Capital the Banque de France.

So much so that the ACPR still alerted, at the end of January, on “The fraudulent proposals of credits”but also savings booklets, payment and insurance services. Fraudulent offers including almost two thirds usurp the identity a real banking or financial intermediary establishment. The average damage per victim amounts to 19,000 euros In the case of false credit offers, according to ACPR. Who advises individuals, before responding to a mortgage offer, to ensure that their interlocutor is well used by the bank to which he claims to belong, by calling it, from a number found by them- same.

Black lists of sites of sites used by crooks

Moreover, Scammers using names of websites resembling those of real banking or brokers, the ACPR publishes black lists Referring to those already identified in the context of fraudulent offers and recommends consulting them to verify that the site concerned does not appear. Finally, if you have been the victim of a false mortgage offer, the ACPR invites you to file a complaint On the website of the Ministry of the Interior “As soon as possible”.