局外人

五

我遇上的这个人就是我的好友宾峰。宾峰本在英国逍遥快活的过着惬意的日子，后来估计闲腻了，回国去了沈阳做起了房地产。去年春节的时候，他要回英国过年，我特意跑到首都机场前去送他，在机场的咖啡厅里，我闲得无聊，于是把我遭遇的这件玄乎的房贷事件跟他说了一通。

他听完之后，哈哈大笑了几声，拍着我的肩头说：“胡老弟啊，这事其实一点也不玄乎，只是你不知道其中奥秘而已。今儿就让老哥我跟你上上课。要解释你这件匪夷所思的事件，我得先把房地产市场的“潜规则”告诉你，你因为是局外人，肯定不会知道，其实……”于是他像开了话匣子说开了。

原来每每新楼开盘的时候，开发商的内部人用贷款先把房子买下来，造成房源紧俏的假象，等到楼价被他们炒高之后，他们再将房子卖出去，赚取差额。有时候一些中介公司也会参与进来，内外勾结，炒高房价。在这个过程中，银行是一个重要的环节，个别工作人员在利益的驱动下，也参与进来，成为“炒房”的主角。由于房子多，身份证少，而且使用自己的身份证存在风险，他们就寻找他人的身份，以他人名义在银行贷款，我便是这样变成了有名无实的“房主”。

听了他的讲解，我这才恍然大悟说：“我靠，原来是这样啊，我就说嘛，这事真是邪门了，怎么莫名其妙地背上巨额债务，而且还出现在了征信系统的黑名单上，敢情是这群奸商在背后‘阴’了我一把。可是我还有一点不明白，那就是既然银行和开发商勾结了，按道理来说，那份催款单应该不会发到我手上呀。”

宾峰说：“关于这个问题，我也不清楚，不过我猜测，估计是银行那边最近有人事变动，有人在不明情况下，误把那张催款单发给了你，以致有了你这次诡异的房贷案事件。”

想想也只有这个可能了，本来我是还想把这件事情追查到底的，可是后来我又跑了这家银行调查取证，他们一直不搭理我，我一个普通老百姓能有多大的能耐，所以这件事拖了一阵子，我也懒得去折腾了，只是偶尔路过这家银行的时候，心里堵得慌，像吃了一只苍蝇一样，觉得恶心无比。

Introduce:One last summer when, I encountered an oddity, bank in me unwitting circumstance issues fine long hair, handled brushstroke housing loan to me, this thing is black getting me still is dizzy up to now. This oddity begins by that telephone call that receives Zhang Ting. That day I bellyful worry ground goes in the stroll on the street curved, just quarrelled with the girlfriend before long one, the mood is a bit low. When walking along Xizhimen ave, abrupt mobile phone rang, my conveniently was received rise, the straight on the head there is: "I lean, xuan Zi, you son got rich, cannot think of two years to disappear, you bought an a person of extraordinary powers unexpectedly curtilage, pretty good! Have what money way, remember taking care of little younger brother ah …… " I listen be stupefied, this person who ah? Gas audition a mouth resembles the old friend that is me, average person calls me Hu Xuan, bit more polite call me introduced from the northern and western nationalities or from abroad writer, only diehard followers just can call me Xuan Zi, but number of this mobile phone is very unfamiliar, sound is not quite familiar also, but he such name I, unavoidable some are curious, paused to ask: "You are …… " phone there resembling is very grouchy say: "I lean, you did not hear my voice come out, noble forgets a thing more, the person that sent money is different, it is me, zhang Yan, college fellow student, still remember not, I sit in your in front of that! " carry via him, the people that gave a cheek of pointed ear monkey skips to come out immediately in my brain, blurt out say: "I lean, it is a monkey you ah, was not contacted for ages, recently how? Hear you issue Shenzhen to get rich, be mixed well! " Zhang Yan says: "Hey, did not carry, the person is fast starved to death, know early such, had been mixed with you! " I say: "Not be, monkey you are too modest also, listen to them to say you are doing estate, this can be sudden huge profits all right, how may starved to death! " Zhang Yan deep sigh says: "Where, I just am to be in company of home estate intermediary to go to work just, estate is bad also to do, resemble us especially company of this kind of intermediary, competition is too intense, I two months do not have outstanding achievement, this month is done not have again, have to coil banquet scram. Or you are good, buy a house in Beijing, we this helps brother, belong to you to have prospect most, graduation makes a room two years nevertheless. Ox! " he raises a house at first, how had been I not cared about, this meeting sees he is mentioned again, 2 bonze feel a unit of length having a place not to wear head says: "House? Be to saying me? I did not buy a house! Where do I have money to buy a house! Have a meal now debatable, nobody wants written plan, gloomy stifle, the thing that still a moment ago was money with the girlfriend quarrels. Alas, heart wow cool wow cool,