Mortgage service companies mainly provide two kinds of services. On the one hand, when the buyers and sellers of real estate reach an agreement, they provide mortgage consultation for the buyers and sellers and intermediary companies, and provide comprehensive real estate transaction background services such as mortgage application, contract signing, insurance, evaluation, notarization, transaction transfer, registration and mortgage registration after the sales contract is signed.
On the other hand, it provides banks with a series of services such as marketing of real estate mortgage products, customer screening, loan data collection, real estate evaluation, loan contract signing, transaction risk control, and post-loan collection management. To help banks speed up the efficiency of handling real estate mortgage loans and expand the mortgage market.
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The role of mortgage companies
1. On the surface, real estate mortgage seems to be only a matter for loan banks, but it actually involves many departments; In addition to banks, there are housing management transaction registration departments, evaluation agencies, notary offices, insurance companies and so on. The different documents required by various institutions, coupled with the long time of real estate transfer and mortgage, bring inconvenience to the banks and customers of loans and reduce the efficiency of handling loan procedures;
2. The rise of mortgage companies is entrusted by buyers and sellers to provide mortgage buyers with "one-stop" services such as applying for loans from banks, transfer transactions and mortgage registration with professional mortgage knowledge and innovative mortgage service processes, which greatly improves the efficiency of housing loans and wins more valuable time for customers and banks;
3. Reduce the possible risks of buyers and sellers in the process of buying houses. Mortgage purchase often means that after the seller receives the down payment from the buyer, both parties begin to handle the bank mortgage procedures and property right transaction transfer procedures in the housing management department. During this period, if the loan approved by the bank does not meet the requirements of the borrower or the seller reneges on selling the property;
4. The transfer of property rights cannot be carried out on schedule. If it is handled by a professional mortgage company, the buyer and the seller must entrust the person designated by the mortgage company as their agent to handle the whole process of property transfer and mortgage registration. As a third party, the mortgage company can completely avoid the above problems.
5. Professional mortgage companies rely on the advantages of many cooperative banks, integrate the superior mortgage resources of each bank, and can tailor the loan scheme for borrowers;
6. Reduce the risk of bank mortgage business. For all mortgage businesses recommended by mortgage companies to banks, mortgage companies must review the borrower's loan information with professional mortgage knowledge;
7. Due to lax data review, in the process of loan review or after loan issuance, if it is found that the buyers and sellers of houses provide false data and false transactions, the mortgage company shall bear joint and several liabilities.
8. Accelerated the speed of bank loans. In recent years, with the development of mortgage market, the business risk ability of large professional mortgage companies has been further strengthened. The bank adopts the stage of mortgage loan business recommended by the mortgage company to the bank for guarantee, and the bank will issue the borrower's house purchase loan to the seller of the house in advance.