Question 2: What do you mean by borrowing? Lending means that financial institutions absorb deposits and then lend them to enterprises. The lender must be a financial institution, otherwise it may constitute a crime. Lending business generally appears in real estate transactions.
What is lending?
If you want to sell the house you bought with the loan, but you can't get the real estate license because the loan has not been repaid, you can go to the bank with the buyer to handle the "lending" business and transfer the loan under your name to the buyer who paid you the down payment.
The process of housing loan "relending" business is as follows: application, real estate assessment, bank approval, contract signing, cancellation of original mortgage, transaction transfer, mortgage filing and loan issuance.
If your property mortgage has not been handled, you should negotiate with the developer (guarantor) first, and the developer will provide the transferee with a new guarantee and negotiate with the loan bank at the same time, otherwise the developer will be exempted from the guarantee responsibility and the loan bank will refuse to give you a loan. Because according to the relevant provisions of the Guarantee Law, mortgage registration is required for real estate mortgage, and buyers generally buy faster houses. You can't apply for mortgage registration without obtaining the real estate license when buying a house and lending. Therefore, at present, personal housing loans generally take the form of "phased guarantee plus mortgage loan", that is, before the mortgage registration of mortgaged real estate, the developer provides guarantee for the lender (purchaser), and after the mortgage registration is completed, the developer's guarantee is terminated.
If the purchased property has been mortgaged, it can be "re-loaned" without consulting with the developer and obtaining the consent of the loan bank.
How to transfer the loan
I. Loan terms 1. The loan applicant meets the general housing provident fund loan conditions;
2. The loan applicant has obtained the house ownership certificate and the state-owned land use certificate of the purchased house;
3. The original commercial loan must be a house purchase loan (a commercial house purchase loan before the house ownership certificate is issued) and there is no debt for more than two months at the time of lending.
II. Information Required for Purchase of Commercial Housing Loan:
1, Application for Approval of Commercial Housing Loan to Provident Fund Loan in quadruplicate;
2. Original commercial housing sales contract and invoice;
3. Original commercial loan contract;
4. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant;
5. Balance sheet printed by the lending bank;
6. The original of the house ownership certificate and the state-owned land use certificate.
Information required for purchasing second-hand housing loans:
1, Application for Approval of Commercial Housing Loan to Provident Fund Loan in quadruplicate;
2, the original housing ownership certificate and state-owned land use certificate;
3. Original bank loan mortgage assessment report (or original deed tax payment certificate) and sales contract;
4. Original commercial loan contract;
5. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant;
6. The balance sheet printed by the lending bank.
Three. Operation process 1. The borrower brings the above materials to the provident fund center, and after the preliminary examination by the staff of the center, he entrusts the bank to issue a credit report. If the credit is good, it will enter the next process;
2. Fill in the Approval Form for Transferring Commercial Housing Loans to Provident Fund Loans, and the borrower will stamp this form at the credit department of the original loan bank, and transfer a copy of other warrants from the bank (with the official seal of the bank);
3. The borrower returns to the provident fund center with a copy of the refinancing application form and other warrants. After the staff of the center pass the re-examination, the guarantee company will issue a check, and the borrower will pay off the loan balance with the check to the original loan bank;
4. Finally, the borrower signs the loan contract and guarantee contract in the provident fund center and pays the guarantee fee.
Note: Commercial loans to provident fund loans are only for commercial housing loans applied for before handling real estate licenses. In short, (1) commercial loans for commercial housing are loans made in the bank with the purchase contract and down payment invoice before the house payment is paid. (2) When buying a second-hand house, the date of signing the bank loan contract must be before the date of the borrower's real estate license.
IV. The required fee is 1, and the capital occupation fee is charged by the guarantee company.
2. Guarantee fee: charged by the guarantee company. There are two ways to collect.
A. If the loan is not repaid in advance, the loan amount × loan period ×0.7‰
B. If the loan is repaid in advance, the loan amount × loan term × 1‰
bank loan
Lending means that financial institutions absorb deposits and then lend them to enterprises.
The lender must be a financial institution, otherwise it may constitute a crime.
Dealing with residence ... >>
Question 3: What is it that someone asked me to lend money to the bank? Generally speaking, lending means that enterprises reapply for new loans from banks or repay old loans to borrow new loans. If you still borrow the new and return the old, you need to borrow money to restore the loan, then borrow money from the bank and resume the loan.
Need to refinance, indicating that corporate funds are very tight, and it may be difficult to return to the capital in the future. Do you lend money to the other party to help repay the loan before the loan is repaid, and then return it to you after the bank re-handles the loan procedures? If you can't confirm that the loan will be approved, I'm afraid it will be difficult to repay the money you borrowed.
Question 4: What do you mean by borrowing? Lending refers to solving the problem of short-term liquidity shortage by borrowing the new and returning the old when the enterprise has a great demand for short-term liquidity.
For example, the enterprise made the first loan of 5 million in the bank, which is about to expire, and the bank agreed to continue lending to enterprise B, with the same amount of 5 million. However, the enterprise needs to return the loan of 5 million to the bank first. So there will be a gap of a few days in the middle.
Credit Union's short-term products are behind this kind of lending assets.
Question 5: What does it mean to turn a loan into a loan when it expires? Sub-loan refers to that commercial banks, as debtors, sign loan agreements and borrow funds; As a creditor, he lent money to domestic enterprises. Most refinancing loans are international financing loans.
First of all, the original borrower of individual housing loan should not default on the principal and interest of bank loan when applying for loan transfer.
Secondly, in addition to meeting the basic conditions of individual housing loans, borrowers applying for lending business should also meet the following conditions:
(1) When the collateral is an existing house, both parties to the transfer shall sign the Shanghai Real Estate Sales Contract.
(2) When the collateral is an auction house, both parties to the transfer shall sign the Shanghai Commodity House Pre-sale Contract. If the transferor fails to pay the total price of all pre-sold commercial houses, the transfer shall be approved by the real estate development enterprise. If the transferor has paid off the total price of all pre-sold commercial houses, it shall notify the real estate development enterprise in writing to transfer.
Question 6: What do you mean by lending? You can try to apply for deferred repayment at the bank first.
Question 7: What is lending? Lending refers to solving the problem of short-term liquidity shortage by borrowing the new and returning the old when the demand for short-term liquidity is large.
For example, the enterprise made the first loan of 5 million in the bank, which is about to expire, and the bank agreed to continue lending to enterprise B, with the same amount of 5 million. However, the enterprise needs to return the loan of 5 million to the bank first. So there will be a gap of a few days in the middle.
Credit Union's short-term products are behind this kind of lending assets.
Question 8: What does a loan mean? Yes, it is the transfer of creditor's rights.
Question 9: What does the debit and credit in the passbook summary column mean? Lending means that financial institutions absorb deposits and then lend them to enterprises. The lender must be a financial institution, otherwise it may constitute a crime. Lending business generally appears in real estate transactions.
First, how to refinance the loan conditions
1. The loan applicant meets the general housing loan conditions of the housing provident fund; 2. The loan applicant has obtained the house ownership certificate and the state-owned land use certificate of the purchased house; 3. The original commercial loan must be a house purchase loan (a commercial house purchase loan before the house ownership certificate is issued) and there is no debt for more than two months at the time of lending. II. Required information: 1, Application for Approval of Commercial Housing Loan to Provident Fund Loan in quadruplicate; 2. Original commercial housing sales contract and invoice; 3. Original commercial loan contract; 4. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant; 5. Balance sheet printed by the lending bank; 6. The original of the house ownership certificate and the state-owned land use certificate. Materials required for purchasing second-hand houses for refinancing: 1, and application form for transferring commercial housing loans to provident fund loans in quadruplicate; 2, the original housing ownership certificate and state-owned land use certificate; 3. Original bank loan mortgage assessment report (or original deed tax payment certificate) and sales contract; 4. Original commercial loan contract; 5. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant; 6. The balance sheet printed by the lending bank. Third, the operation process
1. The borrower takes the above materials to the provident fund center, and after the preliminary examination by the center staff, entrusts the bank to issue a credit report. If the credit is good, it will enter the next process; 2. Fill in the Application Approval Form for Converting Commercial Housing Loan to Provident Fund Loan, and the borrower will take this form to the credit department of the original loan bank and seal it, and transfer a copy of his warrants from the bank (with the official seal of the bank); 3. The borrower returns to the provident fund center with a copy of the refinancing application form and other warrants. After the staff of the center pass the re-examination, the guarantee company will issue a check, and the borrower will pay off the loan balance with the check to the original loan bank; 4. Finally, the borrower signs the loan contract and guarantee contract in the provident fund center and pays the guarantee fee. Note: Commercial loans to provident fund loans are only for commercial housing loans applied for before handling real estate licenses. In short, (1) commercial loans for commercial housing are loans made in the bank with the purchase contract and down payment invoice before the house payment is paid. (2) When buying a second-hand house, the date of signing the bank loan contract must be before the date of the borrower's real estate license. Four. Required expenses
1. The capital occupation fee shall be collected by the guarantee company. 2. The guarantee fee shall be collected by the guarantee company. There are two ways to collect. A. If the loan is repaid in advance but not returned: loan amount × loan term × 0.7 ‰ b. If the loan is repaid in advance and returned in proportion: loan amount × loan term × 1‰
Bank loan means that financial institutions absorb deposits and then lend them to enterprises. The lender must be a financial institution, otherwise it may constitute a crime. The process of housing loan "relending" business is as follows: application, real estate assessment, bank approval, contract signing, cancellation of original mortgage, transaction transfer, mortgage filing and loan issuance.
Question 10: What is lending business? That is, A lends money to B, and B lends money to C!
That is, Huaxia Bank lent 60 million yuan to the star, 40 million yuan to the star himself, and * * * 100 million yuan! _ _ _ This part is given to the stars, and the rest is given to Huaxia! !
Although it will be repaid in the end, it is not bad to lose 60 million loan interest! This seems to be the result of star power struggle! !