Does the second-hand housing loan guarantee fee have to be paid?
Relevant laws and regulations have no hard and fast requirements for the guarantee fee of second-hand housing loans. Whether to pay the second-hand housing loan guarantee fee depends on the contract you signed. If it is agreed not to charge the guarantee fee, then it is not necessary to pay it.
Some second-hand housing transaction loans need to find a guarantee company whether through intermediary transactions or not, otherwise the bank will not be able to get the loan. Second-hand housing guarantee fee refers to that banks generally need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity in order to avoid mortgage risks.
If you can find friends or relatives who are willing to provide you with guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If you can't, you need to go to a professional guarantee company, and they will provide you with a guarantee and pay the fees at this time.
Second-hand housing loan guarantor conditions
1, with urban permanent residence or valid residence status.
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
3, with the purchase of housing contracts or agreements.
4. Be able to pay a down payment of not less than 50% of the national defense evaluation price after full purchase.
5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualifications and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.
6. Other conditions stipulated by the lending bank. Loan amount, term and interest rate The maximum amount of second-hand housing mortgage loan usually does not exceed 50% of the purchased house price or the appraised price. The loan term shall not exceed 15 years minus the service life of the house, and the longest term shall not exceed 20 years minus the service life of the house. The loan interest rate is the individual housing loan interest rate stipulated by the People's Bank of China.
What role does the second-hand housing loan guarantee company play?
Second-hand housing loans generally need guarantee companies, especially through intermediary companies, which will require you to find a guarantee company, mainly to improve the approval rate of mortgage loans, so that guarantee companies can share certain joint and several liabilities and reduce the risk of bank lending. Second-hand housing loans to find a guarantee company need bank approval, can not find informal and unclean small companies.