In fact, as long as the intermediary company you are looking for has a good reputation and is a big company, yours should be fine. If you are worried, you should consult a lawyer.
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The concept of advance payment:
"Advance payment" means that in the process of buying a house, when the down payment of the next home is insufficient, the so-called "loan service company" or guarantee company will take out funds to help the next home make up the down payment to help complete the purchase. Of course, borrowers have to charge 2% to 5% "advance payment". To put it bluntly, this kind of "advance payment" behavior is similar to folk usury.
In the past, because most banks have set up "sub-mortgage" business, if buyers and sellers borrow in the same bank, they can easily complete the loan transfer. Even if you don't borrow from the same bank, the letter of guarantee intervened by the guarantee company can facilitate the circulation of the loan, and the transaction between the upper and lower households also appears smooth.
The main play space of "funds" lies in some speculators, who want to shorten the waiting period of real estate transaction and loan issuance, so they would rather pay a little more to realize the rapid flow of funds. Nowadays, with the cessation of "remortgage" within one year, the business of "remortgage" has existed in name only one year later, and this kind of "prepayment" business has taken advantage of this situation and started to become a common means in real estate transactions.
Give a very simple example. If a house with a value of 2 million still has a loan of 6.5438+0 million, and the down payment for the next house is only 800,000, then the loan vacancy of 200,000 for the last house cannot be paid off. It is enough for the last family to have 200 thousand cash. If not, it may not be possible to complete the transaction, because only after paying off the loan and canceling the mortgage of the real estate can the next family register the transfer and apply for a small property certificate. So this 200,000 yuan has become the business source of "funding".
How many days will the credit card expire?
Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:
1, Bank of China
The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.
2. Postal Bank
The grace period for repayment by China Post Bank is 4 days.
3. Guangfa Bank and Citibank
Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, usually around 3 days.
4. Agricultural Bank of China
The grace period for repayment of China Agricultural Bank is 2 days.
5. China Industrial and Commercial Bank
ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.