How long can a mortgage guarantee company guarantee a loan?
1, non-bank financial institutions
Non-bank financial institutions are highly efficient in this industry. It involves housing mortgage loan. After the program is completed, it can be completed in about 2 working days. The reason for its rapidity lies not only in the flexibility of non-bank financial institutions, but also in taking shortcuts through the examination of borrowers' personal qualifications.
2. Banks
Slow and steady has always been the style of banks, and a steady character is the result. Not only should the borrower's personal qualifications be reviewed, but the mortgage payment procedure is also more stable. Therefore, in the first half of this month, loans are generally successful. Of course, the loan speed can be increased to 10 working days if the fast procedures are handled with the assistance of the guarantee company.
What is the mortgage process of the guarantee company?
1. Our company will entrust a professional appraisal agency to conduct on-the-spot appraisal of the collateral and estimate its approximate value according to its location, floor, area and orientation.
2. After the house appraisal, it is necessary to go through the formalities for examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts with the approval. If the borrower (lender) negotiates all matters with the company, the company will sign an entrustment agreement with the borrower (lender).
3. The borrower and the lender must be present together to sign the mortgage loan contract. Please read every clause in the contract carefully before signing, and don't leave out any details. If there is any dispute in the future, this contract will serve as the legal basis.
4. The borrower and the lender must go to the notary office together for notarization, and the above-mentioned certification materials are required to be carried during notarization.
5. The guarantee company will send people to assist the borrower and the lender to apply for the house mortgage certificate.
6. After all formalities are handled properly, the lender will deposit the cash into the borrower's account. At this point, the loan process is completed.
How long can the mortgage guarantee company guarantee the loan and what is the mortgage process of the guarantee company? These all have some relevant knowledge. Bian Xiao will introduce you here, hoping to help you. Only after approval can you get a mortgage loan. It is best to prepare relevant materials in advance and find a formal guarantee company to handle it.