房贷作假向什么部门举报？

中文段落：

房贷作假是一种违法行为，它损害了金融机构的利益，破坏了金融市场的公平性和诚信度。如果您发现有人在进行房贷作假的行为，可以向相关监管部门进行举报。

在中国，房贷作假行为通常由银行、房地产开发商等金融机构涉及，因此您可以向以下部门进行举报：

中国银行业监督管理委员会：作为银行业的监管机构，银监会对银行房贷业务有严格的监管要求。如果发现银行在房贷业务中存在作假行为，可以向银监会进行举报。

国家市场监督管理总局：市场监管部门负责监督市场主体的经营行为，包括房地产开发商等。如果发现房地产开发商在房贷申请中存在欺诈行为，可以向市场监管部门举报。

举报时，应提供尽可能详细的证据和情况说明，以便监管部门进行调查和处理。同时，举报人也应保护好自己的合法权益，避免受到不必要的麻烦和损失。

英文段落：

Mortgage fraud is an illegal act that damages the interests of financial institutions and undermines the fairness and integrity of the financial market. If you discover someone committing mortgage fraud, you can report it to the relevant regulatory authorities.

In China, mortgage fraud is typically involved by financial institutions such as banks and real estate developers. Therefore, you can report it to the following departments:

China Banking and Insurance Regulatory Commission (CBIRC): As the regulatory body for the banking industry, CBIRC has strict regulatory requirements for bank mortgage business. If you find that a bank is committing fraud in its mortgage business, you can report it to CBIRC.

State Administration for Market Regulation (SAMR): The market regulatory department is responsible for supervising the business conduct of market entities, including real estate developers. If you discover that a real estate developer is committing fraud in mortgage applications, you can report it to SAMR.

When reporting, you should provide as detailed evidence and situation descriptions as possible to facilitate the investigation and handling by the regulatory authorities. At the same time, the reporter should also protect their own legitimate rights and interests to avoid unnecessary trouble and losses.