1. If the lender's application for mortgage in the bank is rejected, he can choose to seek a loan from a guarantee company. With the implementation of the new mortgage policy, banks have increasingly strict requirements for the qualifications of lenders, and many users were rejected on 202 1.
2. Therefore, when the mortgage is not approved, you can ask the guarantee company for help. If you need a commercial house as a mortgage, you will charge a certain guarantee fee.
3. Because it takes a certain period of time from the issuance of loans to the transfer of real estate, there are certain risks during this period, so a guarantee company is needed, and generally 1 minute of the loan amount is charged.
4. Looking for a guarantee company If some property buyers are really not qualified, but they especially want to buy this house, they can find a loan from a guarantee company at this time. It should be noted that the cost involved will be higher than that of direct bank loans.
What are the disadvantages of finding a mortgage guarantee company?
1. What are the disadvantages of finding a guarantee company as collateral? Mortgage guarantee companies need to pay certain fees, including housing evaluation fees and guarantee fees. Moreover, finding a guarantee company may not be able to 100% approve the loan successfully. If the mortgage is refused, the assessment fee paid to the guarantee company will not be refunded.
2. Guarantee companies generally charge 2% of the loan amount as consulting fees and review fees, and no matter whether the guarantee is successful or not, it will not be refunded. After the guarantee is successful, 50% of the loan interest rate needs to be paid to the guarantee company.
3. When a customer buys a house, it won't bring any adverse effects to find a guarantee company to guarantee his mortgage. On the contrary, because the customer's mortgage is guaranteed by a professional guarantee company, the chances of approval can be increased.
4. The mortgage is established at the time of registration. Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.
Usually, the guarantee company has an advantage: the loan amount is high-according to the regulations of most banks, the maximum amount of mortgage loan is only 70% of the assessed value of the mortgaged house, but if the borrower finds a guarantee company to operate, it is likely to achieve a satisfactory full loan result.
6. In short, the greater the loan risk, the higher the guarantee fee. Maintaining good credit and providing sufficient collateral will help reduce the loan guarantee fee.
Is it risky to find a guarantee company for housing mortgage loan?
Risks existing in real estate mortgage guarantee companies (1) mortgage registration right risk "one thing with many mortgages" risk. Paragraph 2 of Article 35 of the Guarantee Law stipulates: "If the value of the mortgaged property is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.
The risks of mortgage real estate loan guarantee companies are: (1) mortgage registration right risk. (b) The risk of leasehold to mortgage. (3) Risks brought by the nature of land. (4) Risks of land use change. (V) Mortgage risks of projects under construction. (six) mortgage housing reform units.
Don't worry that the other party is a company, and its existence has also been verified and approved by the relevant national financial management departments. Mortgage is risky. Considering that the mortgage should be stamped, as long as you can repay the loan, there should be no problem, but it is better to be cautious, and whether there are hidden illegal clauses in the contract terms.
Generally, there will be no problem and the risk is small. In practice, mortgage loan has the following risks: the main problems of chattel mortgage are repeated mortgage and unreal collateral. Guarantee companies should play an important role in the control process, but the domestic guarantee industry is not standardized at present, and many guarantee companies have their own credit problems.
Also find some financial companies with very good credit, and don't just find a company to mortgage the property. Therefore, it is better to apply for mortgage loan in the bank, with high quota, low interest rate and reliable. For the lender, the house mortgage must be registered, and the mortgage right will take effect after the mortgage registration.
How to choose a loan intermediary company for real estate mortgage loan?
1, How to choose a real estate mortgage intermediary company If you are afraid of trouble, you should pay attention to check its scale and whether it has formal qualifications when looking for a loan intermediary.
2. There are four main channels for mortgage loans: Banks At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property cannot be used for mortgage loans, which needs attention.
3. Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance, and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.
4. When using a house as a mortgage loan to find an intermediary, we should pay attention to the following points: First, we must set a good time, which is the time for lending, not the time for granting loans. The time for approving loans and lending may be much worse. Second, the cost of mortgage consumer loans is between 5 and 2 points. Including agency fees and third-party cash withdrawal fees.
Do you want to make a mortgage, go directly to the bank or find a financing company?
1. Personally, since you want to apply for a loan with real estate as collateral, of course, it is more reliable to find a bank directly. Banks cooperate with institutions specializing in real estate appraisal. Once the real estate price is evaluated, the bank can negotiate with you about the mortgage of the real estate according to the quotation of the evaluation agency. No problem, you can sign a mortgage contract. And lend you money.
2. There are basically three ways to apply for real estate mortgage loans, directly asking the banks or lending institutions; Find a formal loan company to entrust a bank real estate mortgage loan; Seek advice from friends in the loan industry. These three methods have their own advantages and disadvantages.
3. Go to the bank by yourself. Problems needing attention in handling loans: When applying for loan quotas, we must be moderate and fully consider the financial situation and financial habits of individuals and families. Usually, the monthly repayment amount should not exceed 50% of the total family income.
4. Banks, as we all know, most commercial banks have mortgage loan business.
If you know the relevant process of formal loan, I suggest you go to the bank yourself. If you don't understand the relevant procedures, I suggest you find a loan company. Although it will cost more money, it can also solve many problems. First of all, loan companies have more loan channels.
Why do you need to find a guarantee company for housing loan mortgage? What does the guarantee company do from it? How much will it cost? ...
1, in order to ensure that the lender has the strength to repay the loan. When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to guarantee.
2. In general, there is no need for a guarantee company. Before the real estate license comes out, in order to ensure their own rights and interests, after signing the purchase contract, the developer is responsible for the early guarantee (the developer needs to pay a certain percentage of deposit to prevent some owners from affecting the quality of bank loans); Unless the developer's qualification is too poor, a guarantee company is needed.
3. The mortgage service company helps you with loan information and house evaluation, making the mortgage easier to be approved by the bank. The mortgage service company is not a guarantee company, because the bank only lends money after obtaining the real estate license, which is guaranteed by the real estate license and does not need a guarantee company.
Let's not talk about the introduction of mortgage companies.