Under strict supervision, it is not easy to go to the bank to make a mortgage loan. What should I do if I need money urgently? Someone thought of pawnshops.
"I want to buy another house, but I can't open it. Bank loans are a bit troublesome. Later, after being introduced by a friend, I learned that the pawnshop could provide funds, so I mortgaged the house and collected money to go to the bank to freeze funds and participate in the lottery. " Not long ago, the hot plate "Rongtian" drove thousands of people to shake the number. Mr. Wang, who lives in the west of the city, couldn't sit still and went to "try his luck". According to Mr. Wang, although the interest rate of pawn is a bit high, many people still raise money in this way. The reporter visited and found that there are many people who use pawn shops, loan intermediaries and other means to turn around, but it also contains huge risks.
The inability to obtain credit information does not affect the mortgage of buying a house.
Pawnshops and other non-bank institutions take the opportunity to attract customers.
Mr. Luo and his wife now have an 89-square-meter wedding room, and the family of two will soon become a family of three. Improving housing is the main goal of this family in the last six months. Mr. Luo intends to collect money and shake the number first. "If you shake the number, go to the house mortgage loan, pay the down payment for the new house first, and then slowly sell the house to repay the loan."
Mr. Luo is familiar with the market. "Bank mortgage loans are mainly operating loans. There is no enterprise under my name, which does not meet the requirements, but some financial institutions other than banks can still operate. " He contacted a financial company of a second-hand housing agency. "The information is complete. After signing the contract for 3 days, the monthly interest rate is 1 minute, and the handling fee for half a year is 1%. The interest rate is not cheap, but I only borrow it for a short time. The advantage is that I have no credit information. "
It is understood that some pawn shops also have real estate mortgage business. The reporter visited and found that this part of the business is still relatively hot. An employee of a pawnshop told reporters that they are now "picking" customers and focusing on evaluating their repayment ability. "Our interest rate is higher than that of banks, lending is faster than banks, and the process is formal."
Xiao Wu, a staff member of another pawnshop, told the reporter that the monthly interest rate 1.5% started in one month. Less than a month, according to a month. If it is more than one month, it will be counted as five days. The process is simple. The property must have no loans and clear property rights. Generally, it is 65% off the market price. Need to show real estate license, ID card, household registration book, marriage certificate, etc. From evaluation to lending, two or three days is enough. Regarding the whereabouts after the loan, "it is definitely not illegal, like buying a house, we don't care."
High interest rates and high risks
Experts remind customers not to "lose big because of small things"
Mr. Jin, the head of a financial service company that has just been established for one year, told reporters that their company's main business in 20 17 was credit loans, but this year it mainly focused on housing mortgage loans.
"We are actually a lending institution. The basic information of customers is coming, so let's match the bank conditions first; If it does not meet, the second file is to recommend other financial companies. " Mr. Jin said, "The interest rate of bank mortgage loans is 5%-7%, and the annualized interest rate of finance companies is 8%- 13%." Of course, their company also charges a certain service fee, "generally a one-time charge 1%-3%".
Xiao Yang, the salesman of this financial company contacted by Mr. Luo, also said that the source of loan funds is the self-owned funds of banks and institutions. "Banks can only do mortgage business. At present, the annualized interest rate is around 6.26%, and we charge a handling fee of 2% a year. " Xiao Yang said that the bank mortgage loan "credit investigation at the meeting" affected the subsequent mortgage. "If you use your own funds to borrow and mortgage in the name of an individual, the monthly interest will be one point, and the half-year handling fee will be 1%- 1.5%. If there is a company, in the name of working capital, the monthly interest rate can be cheaper, 9% 3, no credit. " How to judge a company, Xiao Yang said, just take a copy of the business license.
Is it legal to buy a house or operate with the funds of a pawnshop or a non-bank financial institution? Jiang Han, a special researcher at Suning Financial Research Institute, said that compliance is difficult to define. "At present, there are many cases of scratching the ball. After the intervention of the China Banking Regulatory Commission, supervision will be strengthened and the entry and exit of funds should be more and more standardized. " The industry believes that the future "house-to-house" situation will be further standardized and managed.
The reporter learned that at the moment when illegal funds are strictly prohibited from flowing into the property market, many people use this method to raise funds, and the risk is self-evident: "First, the down payment will increase leverage, and second, the interest rate will be high. Once the house price falls or the repayment pressure is too high, there will be a' default', which will seriously affect financial stability. " Jiang Yan believes.
Small and micro enterprises "financing difficulties"
You can try a bank loan.
Why is the housing mortgage loan business of financial companies so hot? The big reason is that under the condition of tightening policy, the bank's housing mortgage loan is very strict in reviewing the requirements for business purposes.
A city commercial bank on Chun Qing Road has developed an online application product for housing mortgage loan, which can be directly applied through mobile app, with a maximum of 5 million yuan and three results. However, the materials to be provided include business certificate, use certificate, enterprise running water, etc.
At another city commercial bank located in Qianjiang New City, the account manager said that they only used the mortgage loan as their business purpose. "The scope of collateral is also relatively wide, including residential and commercial buildings. The annualized interest rate is about 6%, and the maximum loan is100,000 yuan, but more than 500,000 yuan must be entrusted. " However, this bank also needs customers to provide business certificates, use certificates, enterprise running water and other materials.
(Source: qianjiang evening news)
Second, what are the pitfalls of "lending" to mortgage banks?
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Look at the company How big is the routine of small companies? Generally speaking, it's ok.
Only on behalf of personal views, don't spray if you don't like it, thank you.
Does anyone know how to pawn a house?
In the relationship of house pawn, the person who pays the pawn price to occupy other people's houses and obtains the right to use and income is called the mortgagee, also known as the mortgagee; A person who collects the standard price and uses the house for the possession, use and income of others is called a pawn. The mortgagee's right to possess, use and profit from the pawnshop house is called pawning right. The characteristics of house pawn are as follows:
1. The pawn of the house is set through the pawn contract. Pawnbrokers and pawn shops should agree on the standard price and redemption time, and the standard price is generally half or slightly higher than the actual value of the house.
2. The pawnbroker has the right to possess, use and profit from the pawned house, and can transfer, lease, set a guarantee and transfer the pawned house.
3. There is no interest on the marked price and no rent on the house. In the pawn relationship, the rent is used to offset the interest (standard price) of the borrowed funds.
When the pawnshop expires, the pawnshop has the right to redeem the house at the original price. If the pawnshop fails to redeem the house within the agreed time limit, it will be regarded as dead sale.