Because it takes a certain period of time from the issuance of loans to the transfer of real estate, there are certain risks during this period, so a guarantee company is needed, which is generally charged at 1 minute of the loan amount. The guarantee company is a third-party guarantor invited by the bank to reduce the risk of your non-repayment. When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company) to provide credit guarantee for it. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. Review risk: the emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, why do you need to find a guarantee company for bank loans?
1. The loan process is complicated, and not only departments but also banks need to ask the guarantee company.
2. Customers want more loans, the better. The lower the interest rate, the better. It is difficult for banks to find a way for their customers. The guarantee company's own loan products will strive for customers to the greatest extent.
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 has no way to provide a company that meets the requirements of the bank as the borrower's guarantee in the bank. Once the debt exceeds the imaginary period, it will be paid on behalf of it.
5. The borrower guaranteed by the guarantee company further enters the examination room of the guarantee company, and the risk is more controllable and more easily accepted by the bank.
Simple guarantee contract, handle real estate mortgage and loan procedures.
Extended data:
1. A loan guarantee company is a non-bank financial institution approved by domestic commercial banks or rural cooperative banks in accordance with relevant laws and regulations to provide loan services for agricultural and rural economic development.
2. At present, there are few formal loan companies under the banner of loan guarantee companies on the Internet, and many companies that say how to be honest are actually cheating money.