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爱Dubo的他欠了高利贷偷偷把抵债的房子给卖了
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结果涉嫌诈骗罪被起诉，面临3年以上、10年以下有期徒刑
) D, N5 {$ q/ z+ y了
9 [* X) H3 B1 ]! L5 J/ _& @4 F0 `通讯员 夏剑 本报记者 陈洋根
" G% N1 L. P! ~2 c/ _2 J3 v早报讯 如果不是好赌，老骆应该过着让人羡慕的好日子。在公司传达室上班的他，两年前通过房改有了自己梦寐以求的房子，女儿又考上了大学。可是赌债和高利贷逼得他把家里唯一的房子变卖。尽管这样，他还是无法脱身。
. |" S5 @8 c8 u7 s/ j7 Z/ Q因为老骆卖的房子本来是抵债用的，他通过挂失的方式骗取“三证”之后将房子转卖。事情暴露后，讨债的中介公司向警方报了案。涉嫌诈骗的老骆被杭州下城区检察院提起公诉，承办检察官表示，如果指控的罪名成立，老骆将面临3年以上、10年以下有期徒刑。
f& Q" z& i0 x7 v; h: p0 S3 h好不容易买进的房改房
; z# a6 j; x# a: M“我现在真的后悔死了，Dubo害死人，高利贷害死人。”49岁的老骆说，染上赌瘾是因为下班后或节假日闲得无聊，经常在小区里的棋牌室和人玩“小九”，一开始没在意，到后来一算几年下来总共输了30多万元。1 b$ J& Q! k# b( w
老骆收入并不高，在一家丝绸企业传达室上班的他每个月工资1500到1600元，另外奖金每月100到200元。一开始老骆向亲戚朋友借钱Dubo。后来，没钱还赌债，老骆就开始借高利贷，借1万元钱的每天利息至少40元，有的甚至每天利息达到100元。9 V5 K2 I2 T* e1 w+ s
到了2009年6月份，单位房改，大约只要10万元就可以把他住了很多年的景芳五区的房子买进，可是家里没什么积蓄，老骆想到先把房产买进，再通过以房产抵押贷款的方式还钱。
( K ?2 W( R |6 o3 }6 V# B+ j通过一家中介公司的运作，中介先帮老骆垫付10万元。付清房款后，老骆“买进”房子，又将房子作了银行抵押贷款，贷到35万元。还了支付款和中介费及部分高利贷后，老骆很快就没钱了。
' ^5 Y2 x3 Y* F. c% e通过别人介绍，老骆又向另一家中介公司借了15万元，钱到手后，他马上又赌输了。这时，有人给他出主意，可以通过重新抵押的方式向银行贷款，具体的操作方式是由中介公司帮老络归还上一家银行35万元贷款，再重新向银行抵押贷款，增贷50万元，贷出来的钱归还中介公司的借款。
9 k( I1 y' n3 @; V8 M骗领三证卖房也还不了债
7 E q0 s) I) ~此后，老骆真这么操作了。为了表明自己的诚意，老骆将房产的土地证和契证等材料都放在中介公司（因为办理贷款需要房产证留在老骆手里）。
7 ]0 S4 X+ X0 J不过，中途，急需要钱的老骆办理了挂失手续，重新办理了房产三证，并将景芳五区的房产以97万元的价格卖掉。/ D+ _) r3 j7 E- o( D6 |
这笔巨款到手后，除了还清银行50万元贷款外，还是不够还中介公司的借款，老骆到处躲债甚至借口向公司请了3个月的长假，但最后还是被中介公司找到。对方报警并将老骆扭送公安机关。
0 |* Q( }, |0 c* W% l: R' i1 n) n8 p/ Q, d5 J' J/ H% b( f; J
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被抓后，老骆一直认为自己借的都是高利贷而且属于借贷纠纷，并不构成犯罪，不过检察官审查后认为，从老骆的行为过程来看，他通过以贷还贷的方式并不违法，但房产抵押贷款后，老骆在逃匿中又采用登报挂失土地证、契税证手段骗取新的房产证件材料，并将抵押的房产转卖，房子卖掉后还是没有归还欠款，有占有他人财产的客观行为，一直到被发现扭送派出所为止，同时结合其将钱用于赌债、高利贷债的债务等因素，其行为应当有诈骗的嫌疑。
/ m4 g: w0 p: o+ F检察官建议对老骆的行为依法在3年至10年之间量刑，法院将于近期公开审理此案。 |
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