Real estate intermediary loan process steps:
1. The borrower submits a written loan application and provides relevant materials.
2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.
4 for housing transfer, insurance, notarization, mortgage registration and other procedures.
5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
1. Conditions for real estate agents to apply for loans: 1, with permanent residence in cities and towns 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. There is a purchase contract or agreement;
4. Be able to pay a deposit 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 have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Other conditions stipulated by the lending bank.
2. When the real estate agent handles the loan, the borrower needs to provide the following materials: 1. Housing transaction contract signed by the buyer and the seller and signed by the competent department;
2. The ownership certificate of the purchased house and the certificate that someone agrees to sell the house;
3. The borrower's family property certificate and income certificate (including personal income certificate issued by the work unit, including tax payment certificate, bank deposit certificate, real estate certificate, securities, etc.). );
4. The borrower's legal and valid identity certificate (referring to the resident identity card, residence booklet or other valid residence certificate) and proof of marital status;
5. The document that the borrower and * * * people agree to mortgage the purchased house.
What is a loan intermediary?
Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.
The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.
Loan intermediaries mainly provide loan guarantees for small and medium-sized enterprises, including enterprise liquidity loan guarantees and personal business loan guarantees. , and can also provide investment and financing guarantees, performance guarantees, etc. The enterprise needs to provide the information required by the guarantee company, and the guarantee company will evaluate its solvency.
1. Is the loan agency fee legal?
Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide small and medium-sized enterprises with services such as entrepreneurship assistance, enterprise diagnosis, information consultation, market consultation, investment and financing, loan guarantee, property right transaction, technical support, talent introduction, talent training, foreign cooperation, exhibition and legal consultation.
Therefore, as long as the loan intermediary does not engage in illegal loan fraud and the service fee does not exceed the standard, then the law is allowed. Some borrowers consult loan procedures and processes in lending institutions, and customer service personnel require a 4% service fee. In fact, there are credit managers in the bank who specialize in loans, and there are also expenses for facilitating transactions, which are only included in the loan cost.
2. Why do you want to find a loan intermediary?
Formal and reliable loan intermediaries can help borrowers a lot. The biggest advantage lies in strong connections and rich experience. It can help borrowers analyze their own strengths and weaknesses, recommend suitable products, and inform you of the latest information of various lending institutions, such as which bank has recently tightened lending, which loan products have stopped lending, and which loan interest is the lowest.
When we apply for a bank loan, often a little problem may lead to loan failure. A good intermediary can help you avoid these problems as much as possible.
In short, if you find a good loan intermediary, you can save a lot of things and avoid detours, so it is appropriate to pay a certain service fee, but you must remember to find a formal and legal institution, otherwise you will easily fall into the trap of a liar.
Access channels for loan intermediary customers
Channels for loan intermediaries to obtain customers: make friends with practitioners in some industries, such as bank credit managers, loan company consultants, loan intermediaries, etc. Customer Group Analysis and Accurate Promotion How to Obtain from Loan Intermediaries Customers can find the appropriate applicable groups, advertisements, publicity and business cards according to your loan products.
First, the source of customers is pure sharing. To survive in the loan intermediary industry, a stable source of customers is the key. Although telemarketing is very traditional, it can convey the advantages of loan products to customers more intuitively when users have loan intentions. At the same time, telemarketing has the advantages of low customer acquisition cost and high customer acquisition rate, and it is the only way to get involved in every loan. However, it takes a lot of time to get customers by holding a list or blindly numbering paragraphs, which requires high personal ability. Some people can make a single call after two or three phone calls, and some people have not made a single deal for several days.
Second, it can be seen that in addition to relying on luck, we have to work hard to cultivate marketing and communication skills. For example, mass texting, posting small advertisements, plugging in cars and other ways to get customers will cost more than telemarketing, and usually short and accurate "advertising words" are feasible. In the industry exchange group organized by _ Wang Xiaojin, some senior people think that "SMS is the best way to get customers." Through platform promotion, it is not only easy to operate, but also can reach the speed of 200 pieces per second, and can push marketing products to customers' mobile phones as quickly as possible, with low requirements for personal ability. It is also more selective for customers. According to the reply information, accurate users can be effectively screened.
Third, through manual follow-up, the transaction rate is often high. The old customers with successful loans can be described as "rich in mines", and the loan intention customers around them are of relatively high quality and high single rate, which belong to high-value resources to be tapped. As a successful salesperson, it is one thing to get customers, and it is another to give full play to the maximum value of customers. Therefore, it is very important to maintain a good customer relationship. Usually, we should pay attention to maintaining personal image, paying attention to current affairs and politics, broadening our horizons and showing our personal charm in a timely manner. I believe that most loan intermediaries have tried the above methods to obtain customers, but the results are not satisfactory.
Fourth, the former Ministry of Industry and Information Technology, the Supreme People's Government and other departments 13 organized a nationwide special campaign to comprehensively rectify harassing telephone calls. The rectification work lasted for one and a half years (from July 20 18 to the end of February 20 19), and the financial telephone marketing behavior was strictly regulated: telephone monitoring or monitoring involving financial products such as loans and credit cards was established and improved. To use the information dissemination and publishing platform to illegally publish or send advertisements, or to publish or send illegal advertisements, measures such as deleting, shielding, disconnecting links and stopping transmission shall be taken to stop them. In other words, with the increasingly strict supervision, many traditional ways of obtaining customers are restricted because they are suspected of disturbing the people, and the loan intermediary exhibition industry will be hindered. Although SMS is one of the main incomes of domestic operators at present, mass SMS itself is not illegal.
So much for the introduction of loan intermediary means.