He uses a customer to buy a house's down payment to repay the debt

Luxury cars and luxury homes are envious of Zhang Mou, who is a security guard in the villa area. In order to get close to the ideal life, he changed his career to be a real estate agency. Driven by vanity, he bought a luxury car twice, and eventually he was imprisoned because he owed huge debts on the road of fraud. From 2019 to 2021, Mr. Zhang scammed Mr. Guo, Mr. Xie, and Xiao Jin for a total of more than 100 million yuan. On May 27, the Procuratorate of Xiangcheng District, Suzhou City, Jiangsu Province filed a public prosecution to Zhang for suspected fraud and contract fraud. On June 30, the case was tried and in the court made a judgment. The court sentenced Zhang to eight years in prison for fraud and contract fraud, and fined 100,000 yuan.

The trial site of the case

When he is a security guard in the villa area, he envy the life of the owners

In 2014, Zhang just went to work in Suzhou to apply for a property company in a villa community in Xiangcheng District, as a security guard in the company. Because of his strong physique and strong strength, coupled with the way and enthusiasm, the property company, especially the company's head, is very satisfied with him.

Seeing that the owners are all luxury cars, they live in luxury homes. Zhang often emotes with colleagues: "When can I live such a life!"

Four years have passed, and Niu Ge, who has already left, started a real estate agency. Knowing that Niu Ge was mixed, his company's salesperson's sales of a house could be worth the salary of the security guard. In March 2018, Zhang left the job and changed jobs to Niu Ge's real estate agency company as a salesperson. Zhang was handy and had an income of more than 100,000 yuan a year. At this time, Zhang was a step closer to the "successful person" in his mind.

In September 2019, Brother Niu wanted to take a shot of his own Maserati, and Zhang bought the luxury car at a price of 500,000 yuan. He used for many years of salary for more than 200,000 yuan, promising to pay the rest of the money to Niu Ge.

A mouth that can be said, and the halo of driving a luxury car, Zhang not only did his business, but also "Peach Blossom" also came. The "girlfriend" sitting on his luxury car co -pilot was frequently replaced. Zhang was very generous about the "girlfriends" and often purchased luxury goods as a gift. At that time, Zhang Mou was proud of the spring breeze, and the incense cars and beautiful women were often accompanied by.

One year later, Zhang learned from his friend's mouth that a more advanced Maserati was sold for a certain owner, and the price was 900,000 yuan, and Zhang was excited again. The owner promised Zhang to recover the Maserati that Zhang Mou was driving at a price of 550,000 yuan. As long as Zhang made up the difference of 300,000 yuan, the new Maserati could let Zhang drive away, and Zhang happily agreed.

In order to continue a luxurious life, he began to borrow large debts

The end of the luxury car, the girlfriend spent ... Zhang's expenses are getting bigger and bigger, and the intermediary fees made by selling houses cannot be supported. In order to decorate his luxurious life, Zhang began to borrow more than 1.5 million yuan from the people around him, all promised to pay interest and write down the arrears.

In 2021, in order to earn more money to maintain the surface scenery and repay the loan, Zhang decided to leave, and set up the borrowed money to start a Fushi Real Estate Co., Ltd., and turned into a boss.

Xiao Jin is an employee of Zhang's company. When he saw Zhang and out of the company, he was a luxury car and worshiped Zhang Mouxin. At this time, Zhang also moved Xiao Jin's mind. In order to win the trust of Xiao Jin, he would brag about Xiao Jin's real estate and deposits from time to time.

Seeing that the time is mature, Zhang's fictional needs to help customers make loans and store decoration. Xiao Jin, who had just come out, didn't have much money at all, Zhang asked Xiao Jin to cash with a credit card and promised to pay her interest. Xiao Jin thought that Zhang had a company and a luxury car, and he would not depend on the account, so he did it one by one, and he borrowed more than 400,000 yuan to Zhang.

Whenever Xiao Jin urged to pay the money, Zhang sent a screenshot of the account page with a huge deposit under Xiao Jin, so that she should not worry. "In fact, those screenshots were from the Internet P, to tell her that I had the ability to repay." After the incident, Zhang admitted to deceiving Xiao Jin.

Falling in the quagmire of debt, he followed the customer’s down payment

A penalty debt rolled like a snowball, making Zhang unable to fight. In mid -2021, Zhang's fitness coach, Mr. Guo, took the initiative to find him to buy a house. Mr. Guo learned that he was engaged in real estate intermediary work through Zhang's WeChat circle of friends, and his economic situation was quite rich, so he trusted him very much.

Mr. Zhang took Mr. Guo to see the house everywhere. Mr. Guo fancy a house and signed a house purchase agreement. Mr. Guo paid the landlord's 10,000 yuan deposit and transferred Zhang Mou's 10,000 yuan agency fee.

Zhang Mou, who was trapped in debt quagmires and scorched, stared at Mr. Guo's down payment. A few days later, Zhang told Mr. Guo that he could pay him with a payment of 370,000 heads first, and he would apply for a bank loan for Mr. Guo. Mr. Guo didn't think much, and transferred the down payment to Zhang in three times. In the next few days, Zhang made Mr. Guo transferred the money on the grounds of 8,800 yuan in service fee and 10,000 yuan in private borrowing, and Mr. Guo took care of it.

Since then, Mr. Guo has repeatedly asked whether Zhang's loan is done, and Zhang has been too high to reduce the interest rate of the loan at the time, and the interest rate of banks want to reduce the loan before applying for the loan, so that Mr. Guo waited.

In January 2022, the seller asked Mr. Guo if he had hit the down payment to the hosting account of the Housing Management Bureau. Mr. Guo said that he had already transferred the money to Zhang.Seeing that the incident was revealed, Zhang admitted that he had taken Mr. Guo's down payment and was unable to repay.Mr. Guo immediately reported the police, and soon the public security organs arrested Zhang.After the case, Zhang admitted that Mr. Guo's 370,000 yuan down payment was used to fill his debt holes.After investigation by the public security organs, he found that Mr. Guo was deceived by Zhang.Mr. Xie was also deceived by Zhang to get the first payment of more than 330,000 yuan. Until the incident, Mr. Xie was still covered in the drum.Xiao Jin lost his job and repaid 100,000 yuan in credit card debt every month.

Zhang said that he had no house, no car, no car, no deposit. Although he realized his mistakes, the money of fraud had been used to fill the debt holes and squander.

(Source: Procuratorate Author: Chen Mengchu Wang Jinyan)

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