Similar to the mortgage loan of a bank, the subject has changed from a bank to a trust company. Banks have the function of absorbing and storing funds, but trust companies do not. Trust issues products by uniformly packaging collateral, then divides the products into several unit shares, and finally raises funds through sales, and collects certain interest from financiers as a return to investors.
Generally, the mortgaged land is less than 50% off, the risk control is slightly higher than that of banks, and the cost is also slightly higher than that of banks. 2. What are the types of mortgage loans? Mainly these three kinds!
At present, there are many credit products under the banner of bank financial institutions. The most popular one is credit loan, which is simple and convenient and has low threshold. However, for users with poor credit or seeking large loans, mortgage loan is often more suitable for them. So what are the types of mortgage loans? Today, I will introduce several models to you, and qualified friends can learn about them.
I. Personal Housing Loan Users who have houses tomorrow can choose this method to apply for commercial housing loans from banks. This is a self-operated loan issued by bank credit funds, which refers to a natural person with full civil capacity. When buying owner-occupied houses in cities and towns in this city, the property houses he bought are used as collateral. Housing provident fund loans applied to banks are entrusted loans issued by policy-based housing provident fund, which means that when employees who pay housing provident fund buy, build, renovate or overhaul their own houses in cities and towns of this city, they use their own property houses as collateral. Second, enterprise mortgage loans The target of enterprise mortgage loans is all kinds of small and medium-sized enterprise customers in industrial and commercial registration. If the registered business of the company is more than 1 year, and the recent turnover of the company is required to reach more than 3 million, it has a good business situation. Generally, the time of mortgage loan is between one and five years, and it is often necessary to provide qualified mortgage collateral. Three. Trust mortgage trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount stipulated in the trust plan. The financing party takes the real estate mortgage as the guarantee method of the trust loan. Under normal circumstances, the annual interest rate is about 80% plus the handling fee.
3. What is a trust mortgage loan?
Your problem has its own problems.
Trust loans refer to loans obtained from trust companies. If it is a mortgage, it can be called a mortgage loan.
Trust loans should be tied up with bank loans.
Mortgage loan should be juxtaposed with credit loan.
4. What is a trust mortgage loan?
Similar to the mortgage loan of a bank, it is nothing more than that the subject has changed from a bank to a trust company.
Banks have the function of absorbing and storing funds, but trust companies do not. Trust issues products through unified packaging of collateral, then divides the products into several unit shares, and finally raises funds through sales, and collects certain interest from financiers as investors' return.
Generally, the mortgaged land is less than 50% off, the risk control is slightly higher than that of banks, and the cost is also slightly higher than that of banks.