Risk, 1, borrower risk: individuals borrow money from banks (including housing fund management institutions) for housing consumption. If they don't pay back the money on time, there are two reasons for the risk: subjective reasons and objective reasons. The former refers to the borrower's intentional breach of contract, fraud, false borrowing and malicious failure to pay back the money; The latter is that the borrower cannot repay the money on time due to unemployment, disability, death, divorce and other reasons. 2. Risks of development projects: the poor management or misappropriation of funds by developers leads to incomplete projects, resulting in "unfinished business", and the property purchased by borrowers as collateral becomes "castles in the air"; The property purchased by the borrower has major quality problems. All these situations will make it difficult to perform personal loan-related contracts, and the rights and interests of borrowers and loan banks will be infringed. 3. Banks also have risks: the borrower's situation is not strictly audited; Insufficient control of the developer's sales situation, project progress, the flow of funds in the house payment supervision account and the deposit account; Lack of necessary contact with housing management and land departments, mortgage registration is not implemented; The lax file management and the loss of important contract documents lead to the risk of bank loans. Legal basis: Article 408 of the Civil Law of People's Republic of China (PRC), if the mortgagor's behavior is enough to reduce the value of the collateral, the mortgagee has the right to request the mortgagor to stop his behavior; If the value of the collateral decreases, the mortgagee has the right to demand the restoration of the value of the collateral or provide a guarantee corresponding to the decreased value. If the mortgagor fails to restore the value of the collateral or provide guarantee, the mortgagee has the right to demand the debtor to pay off the debt in advance.
What is the impact of the guarantee company's loan to buy a house?
When customers buy a house, it will not bring any adverse effects to find a guarantee company to guarantee their mortgage loan. On the contrary, because the customer's mortgage is guaranteed by a professional guarantee company, the chances of approval can be increased.
After all, banks don't have to worry about the situation that borrowers can't receive money when they can't repay. If the customer can't afford it, the bank can go to the guarantee company.
Therefore, if customers are worried that their mortgage is easily rejected by banks, they can try to find a guarantee company to guarantee their mortgage. Of course, in addition to finding a professional guarantee company, customers can also find family and friends with certain assets and financial resources and good credit as loan guarantors (of course, 100% may not pass the examination and approval after loan guarantee, mainly depending on the bank's audit and evaluation results).
If the customer's credit conditions are good, they can apply directly without looking for a guarantee company or guarantor. For customers with good credit and the ability to repay the loan principal and interest on time, banks usually approve the mortgage smoothly.
Can the mortgage guarantor be replaced?
1. During the validity of the loan contract, the lender shall not change the guarantor without authorization. If there is any change, you should apply to the bank and obtain the bank's permission.
Two, if the bank does not agree to the change, it can only fulfill the original guarantee agreement, and the original guarantor will continue to bear joint and several liability. If the bank agrees to replace the guarantor, the bank needs to check whether the guarantor has the guarantee ability, and a new guarantee agreement needs to be signed before the new guarantor can take effect.
Three. According to the relevant provisions of the "Guarantee Law" and the "General Rules for Loans", if a borrower applies to change the guarantor of housing provident fund loans, it shall go through the following procedures:
1. The borrower first applies to the loan department (or management department or sub-center, the same below), and after the loan department agrees, the loan department issues the Notice of Change of Guarantor of Housing Provident Fund Loan to the loan handling bank.
2. The bank handling personnel shall notify the borrower, the new guarantor and all the original guarantors according to the contents of the Notice on the Change of Guarantor of Housing Provident Fund Loan, and sign the Agreement on the Change of Guarantor of Personal Housing Provident Fund Loan at the bank site with the original ID card. The change of guarantor will take effect after my signature and handprint.
3, the bank handling personnel according to the changes, modify the housing provident fund loan guarantor information, and notify the loan department to complete the change procedures.
4. The loan department unfreezes the housing provident fund account of the replaced guarantor and freezes the housing provident fund account of the new guarantor. Each entrusting bank shall strictly implement the above provisions, and the contract disputes caused by the false signatures of the loan-related personnel shall be borne by the handling bank.
The above is what Bian Xiao shared with you about the influence of the loan from the guarantee company to find a house. More information can focus on the construction industry and share more dry goods.
What are the disadvantages of finding a guarantee company as collateral? These points must be clear.
; ? Now in order to curb real estate speculation, mortgage approval is becoming more and more strict. Moreover, many people apply for mortgages, and in order to improve the success rate of loan approval, they will find a guarantee company to guarantee. So, is this good? What are the disadvantages? Let's have a look.
First, find a guarantee company to mortgage, ok?
If the lender applies for a mortgage, but his qualification is not particularly good, the bank will ask him to find a guarantee company to provide joint and several guarantee responsibilities.
Guarantee companies are skilled in mortgage business and usually cooperate with many banks, so they will be familiar with the mortgage policies of various banks. They can tell lenders what kind of information is helpful for mortgage approval and help them package the information to improve the pass rate of mortgage approval.
Second, what are the disadvantages of finding a guarantee company for mortgage loans?
1. Finding a mortgage guarantee company needs to pay a certain fee, including house appraisal fee and guarantee fee. 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. The guarantee company will jointly guarantee the mortgage. Generally, the lender will mortgage the house to the guarantee company as a counter-guarantee measure. When the borrower fails to pay back the money, the guarantee company will repay the debt for him and remind the lender.
3. If the lender fails to repay the loan within the time limit, it will be recorded in the credit report. If the lender fails to make repeated reminders, the guarantee company may appeal to the borrower and auction the lender's house to repay the loan with the approval of the court.
In a word, looking for a guarantee company as collateral has advantages and disadvantages, depending on what you think.
The disadvantages of finding a guarantee company for mortgage loans
1. Guarantee companies generally charge 2% of the loan amount as consulting fees and evaluation fees, which will not be refunded regardless of whether the guarantee is successful or not.
2. After the guarantee is successful, 50% of the loan interest rate needs to be paid to the guarantee company.
3. If the mortgage is overdue, the guarantee company will help the lender to pay in advance and let the guarantee company collect it at home.
4. If the loan is settled in advance, the guarantee company will not refund the guarantee fee already paid.