Materials to be prepared for bank mortgage loan: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes. If you can provide the mortgaged property accepted by the lender (whether it is your own or someone else's, it is legal), then there is no need for company guarantee; Only when the above-mentioned property cannot be provided, or if it is provided but does not meet the requirements of the lender, will the guarantee company be used to provide guarantee after charging a certain fee.
Does the mortgage need a company?
1. Do you need a guarantee company for real estate mortgage loan?
No, as long as the property ownership certificate 3 is complete, there is no need for a guarantee company.
Personal mortgage loan, referred to as mortgage loan for short, the mortgage buyer fills in the mortgage loan application form to the loan bank and provides the proof documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
Second, the conditions of real estate mortgage loans
1, housing requirements
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;
(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;
(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
2. Lender's requirements
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
(1) Having a proper occupation and a stable source of income, and having the ability to repay the loan principal and interest on schedule;
(2) No illegal acts and bad credit records;
(3) Being able to provide effective pledge guarantee of rights recognized by the bank, or being able to use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory capacity;
(4) Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
(5) Other conditions stipulated by the bank.
Third, the real estate mortgage loan process
1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;
2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;
3. The bank examines and approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
Why do you need to find a guarantee company for bank loans?
1. The loan process is complex, involving not only banks but also housing management departments. Banks also need to ask the guarantee company to handle mortgage registration and other work.
Customers want more loans, and the lower the interest rate, the better. It is difficult for banks to find a way for their customers. Guarantee companies will strive for customers to the greatest extent with their familiarity with loan policies and their own loan products.
3. The loan processing time is long. Based on the familiarity with the process and relevant departments, the guarantee company can control the processing rhythm and reduce the processing time.
4. The borrower can't provide enough collateral that meets the requirements of the bank, so a guarantee company is introduced to guarantee the borrower in the bank. Once overdue or owing interest, the guarantee company shall bear the responsibility of paying on behalf of it.
5. The borrower guaranteed by the guarantee company has been further examined by the guarantee company, and the risk is more controllable and more acceptable to banks.
6. With the intervention of the guarantee company, the bank does not need to apply for real estate mortgage, and the loan procedure is simple, only one loan contract and one guarantee contract are needed.
Extended data:
1. A loan guarantee company refers to a non-bank financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of the China Banking Regulatory Commission in accordance with relevant laws and regulations, and providing loan services for county farmers, agriculture and rural economic development.
Nowadays, many internet companies cheat money under the banner of loan guarantee companies. In fact, there are very few formal loan companies on the market now, and many companies that say how to be honest are actually cheating money.