This question is about to mention the significance of the existence of guarantee companies. Why are you looking for a guarantee company? At present, 99% of bank mortgage loans have to go through guarantee companies (unless your bank has relatives). Guarantee companies can help you deal with information problems and know the process very well.
Why do guarantee companies exist? What role does the bank play in the middle? 1. The guarantee company will handle the data sorting work in the early stage (you can't do it without running a few times, and the bank will be relieved). 2. The information to be supplemented in the early stage is tracked and collected by the guarantee company. 3. Ensure that the appraisal company, Housing Authority and other related processes are handled properly. Convenient for customers to greatly shorten the lending cycle! For other restrictions, you can call me directly and ask me, such as the age, area and loan amount of the collateral. My hotline is __ 159, then 8202, and the last four are 02 12 Zhou Xiao ~ Second, do I have to be a guarantor for bank loans?
Yes, you can. You don't need it.
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally between 1 10,000 yuan and 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application.
In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
At present, there are also personal quotas for office workers, which generally range from 1 1,000-50,000 yuan. Most of them don't need mortgage, but the credit and information review is strict.
Extended data:
Loan process:
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3. Sign a loan contract with the bank through the examination and approval of the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.