Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.
Mortgage loan of real estate license actually refers to the types of bank loans mortgaged by commercial houses that customers already own and can be listed and circulated. The difference between it and second-hand housing loans and first-hand housing loans is that customers already own real estate, not soon. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan. Generally speaking, individuals can get 50% to 70% of real estate mortgage loans, enterprises can get 60% to 80% of real estate mortgage loans, and some can get 90% to 10%.
With the increasing competition in the real estate license mortgage industry, mergers and acquisitions and capital operations between large enterprises are becoming more and more frequent. Excellent mortgage enterprises at home and abroad pay more and more attention to the analysis and research of the industry market, especially the in-depth study of the current market environment and customer demand trends, in order to occupy the market in advance and gain the first-Mover advantage. Because of this, a large number of excellent brands have risen rapidly and gradually become the best in the industry.
Second, how to fill in the business license of the loan intermediary company?
Scope: Handling various projects; Handle the development, management and accounting of small and medium-sized enterprises; Other approved businesses.
If you want to write simply, you can write information consulting co., ltd., and the scope is also information consulting. It is suggested that the industrial and commercial bureau should add some by itself, or write according to the same industry. Companies are divided into: mortgage loans and guaranteed loans. 1. Mortgagable property: 1. 1 buildings and other ground attachments; 1.2 construction land use right; 1.3 The contracted management right of wasteland and other land obtained through bidding, auction and public consultation; 1.4 buildings under construction; 1.5 means of transportation; 1.6 Other properties not prohibited by laws and administrative regulations.
2. Pledgeable property: 2. 1 pledge of movable property: movable property whose transfer is not prohibited by laws and administrative regulations; 2.2 Pledge of rights: other property rights that can be pledged according to laws and administrative regulations such as bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts, bills of lading and accounts receivable. Pledged property must have clear ownership, no property rights and no repeated mortgage.
Third, what is a mortgage intermediary? What exactly do you do?
Can you ask the details? Do you mean that you bought a real estate agent to help you with the housing loan procedures?
Four. The actual controller or main manager of the enterprise handling the real estate mortgage loan for small enterprises of our bank must have at least () years of working experience in the main business industry or similar industries.
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