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英美贷款机构拒绝向加密货币交易者提供贷款

比特币等加密货币在过去的一年里升值速度很快,一些人为了购买汽车或房子将他们的数字资产进行套现。

然而,这些套现数字资产的人,即使已经拥有了购置房产的资金,也很难获得住房贷款。

本周,在比特币Reddit论坛r/btc上,一名试图从美国金融公司PNC银行获得抵押贷款的人,因为曾出售加密货币获得资金而遭到了银行的拒绝。这名比特币投资者在去年12月出售了一部分数字资产。因此,PNC银行拒绝了他的贷款申请很可能是因为他的这波操作。

去年12月,比特币价格接近2万美元,很多投资者进行了“套现”。那段时间,Bitcoin.com对用大量比特币购买兰博基尼和豪宅的事件进行了报道,并且,详细说明了超过一万美元的加密货币兑换成法币的难处。

而Reddit用户u/fojawi也表示:

去年12月,我卖出了一些数字货币,跨过了无数个与比特币无关的障碍,获得了PNC的传统抵押贷款。在整个过程中,PNC都没有表示比特币是一个令人担忧的问题。但最后,在我做出了他们想要的所有让步之后,回答了他们所有的问题,他们表示,他们此前把这些让步涉及的问题都搁置在一边,因为首付的一些资金来源是比特币。

最后,他们表示,首付或其他抵押贷款因素的资金,不可以是与比特币相关的销售收入,所有的钱都必须在银行的储蓄账户里。持有这些资金的银行从未接触过任何比特币交易平台。这些银行表示,出售加密货币取得收入的时间长短无关紧要。

抵押贷款提供商还没有准备好应对这一问题,这已经不是人们第一次对比特币的销售产生疑问了。因为这个问题,他们无法获得贷款。

在加密货币到达空前的价格高点之后,有报道称,英国抵押贷款机构出于对“洗钱的恐惧”,拒绝接受与数字资产相关的存款。

根据House and Holiday Home Mortgages公司的经纪人Mark Stallard的说法,他的一个同事已经从比特币投资中积累了四万英镑,然而,贷款依然有问题。

Stallard表示:

我打电话给第一家抵押贷款银行,银行问我什么是加密货币。我给另外两家银行打了电话,银行也表示了拒绝。当我说到钱是从哪里来的时候,人们非常不愿意去理解这个事情。我认为抵押贷款提供者总体上都没有为这个问题做好准备。

英国的贷款机构认为,由于可能与洗钱存在关系,从加密货币中衍生出的资金可能会带来风险。

此外,一些英国抵押贷款机构可能会通过这样的贷款审批,但这将需要进行更广泛和深层次的审计。例如,英国的约克郡和考文垂建筑协会表示,他们将接受来自加密货币的资金,但也需要进行更彻底的审计、经历识别过程。该地区建筑协会(BSA)的一份声明详细说明,由于存在“洗钱风险”,贷款机构对这些基金心存疑虑。BSA与英国境内的大量互助银行和存款机构存在合作关系。

BSA在今年1月表示:

目前这些电子货币还没有收到监管,这使得他们的风险类别很高。此外,犯罪分子可能会使用它们来洗赃款。

Over the past year, cryptocurrencies like bitcoin have gained in value and some people have ‘cashed out’ their digital assets in order to purchase cars or a new home. However, some people who have sold cryptocurrencies in the past may have a hard time getting a home loan even though they have the funds to purchase the property. This week on the bitcoin Reddit forum r/btc, a person who attempted to get a mortgage from the U.S. based financial firm, PNC Bank, was denied because he sold cryptocurrencies in the past.

Mortgage Division at PNC Bank Allegedly Denies Loan Because of Prior Bitcoin Sales

Back in December of 2017, the price of BTC was close to $20,000 USD per coin and there were definitely a lot of investors who ‘cashed out’ during that time, and the months that followed. Around that time news.Bitcoin.com reported on the major hype that was taking place with media reports of Lamborghini purchases, and lots of mansions bought with bitcoin. We also detailed that ‘cashing out’ cryptocurrencies into fiat is not so easy, especially when it comes to transfers over $10,000 USD. This week a bitcoin investor who sold some of his digital assets this past December reveals he was denied a mortgage loan from PNC Bank because the source of his funds may have been derived from cryptocurrency sales.

“I sold some coin in December, and I have jumped through tons of hoops, unrelated to bitcoin, while getting a traditional mortgage with PNC — They didn’t mention bitcoin as a concern at all during the entire process,” explains the Reddit user u/fojawi. “Finally, after I make all the concessions they want, answer all of their questions, they admit they were throwing up these walls because some of the source of funds for the downpayment is bitcoin.”

In the end, they are now saying that no part of the funding for the downpayment or other factors for the mortgage can be sales related to bitcoin. All of the money is in the bank in a savings account. The bank holding the money never touched any bitcoin exchange. They say it doesn’t matter how long ago the sale was…

‘Mortgage Providers, in General, Are Not Ready for This Issue’

This is not the first time people have had issues with prior bitcoin sales messing up their chances towards securing a mortgage from a lender. Immediately after the all-time price highs within the cryptocurrency economy, reports began to surface that UK mortgage lenders were refusing to accept deposits associated with digital assets because of “money laundering fears.” According to a broker from House and Holiday Home Mortgages, Mark Stallard, one individual he was working with had accumulated £40,000 from bitcoin investments and Stallard had difficulties with lenders.

“The first mortgage lender I rang asked me what a cryptocurrency was,” Stallard details in an interview. “I rang two other lenders and they said they would not touch it.”

When I mentioned where the money had come from there was massive reluctance to help or understand the problem. I do not believe the mortgage providers, in general, are ready for this issue and research tells me that a lot more people will be knocking on our doors with funds made or raised in this fashion.

Building Societies Association and UK Lenders Consider Funds Derived From Cryptocurrencies Risky Because of Possible Relations to Money Laundering

Moreover, some of the UK mortgage lenders who might allow funds derived from cryptocurrency gains in order to procure a mortgage will need extensive audits. For instance, the UK’s Skipton, Yorkshire, and Coventry Building Society say they will accept funds derived from cryptocurrencies, but will also require a more thorough audit and identification process. A statement from the region’s Building Societies Association (BSA) details that lenders are leery of these funds due to “money laundering risks.” The BSA represents and is partnered with a large number of mutual lenders and deposit takers within the UK.

“There is currently no regulation of these electronic currencies, which puts them into the highest risk category in relation to money laundering — In addition, it is well known that such currencies are popular with criminals, who use them to launder the proceeds of crime,” the BSA explained this past January.


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