In Chongqing, we may need a lot of money for various reasons. This is a good way to apply for a real estate mortgage loan. Higher loan amount and lower expected annualized interest rate have become the favorite loan methods of many borrowers. Do you know how many ways to apply for real estate mortgage in Chongqing?
(1) Pawnshop Real Estate Mortgage Loan
In our memory, we think that the main function of pawnshop is pawnshop. With the pace of social development, pawnshops continue to reform and innovate, and eventually most pawnshops can also apply for real estate mortgage loans. It should be noted that the pawnshop takes short-term financing, so the longest loan period is one year and the monthly interest rate is about 3%. To borrow money, first apply to the pawnshop for property ownership, then pay off all the loans within the agreed time according to the agreement of both parties, and finally redeem the ownership of their own property.
(2) Bank real estate mortgage loan
The borrower should note that it is not necessary to pledge the real estate license to apply for a mortgage loan from the bank, but the borrower needs to go through the formalities of canceling the mortgage after paying off all the loans. To apply for bank real estate mortgage loan, the borrower can register the mortgage of the real estate in his own name or in the name of others, but if another person's real estate is used as mortgage, the owner of the real estate needs to be present or issue a certificate. Bank mortgage loan procedures are more complicated.
(3) Company real estate mortgage loan
The company is equivalent to the auxiliary part of the bank. Many borrowers can't meet the requirements of the bank or are in urgent need of funds, so they will consider applying for real estate mortgage loans from the company. It should be noted that the expected annualized interest rate of the company's real estate mortgage loan will be higher than that of the bank's real estate mortgage loan, and the upper limit of the expected annualized interest rate of the loan is 4 times of the benchmark expected annualized interest rate.
There are many ways of mortgage loan, mainly because borrowers need to judge which mortgage loan is suitable for them according to the actual situation. Before applying for a mortgage loan, he can consult the relevant parties and at least know what he is doing, otherwise he will be at a loss when applying for a mortgage loan, so that he will not be too arrogant and will not affect his quality of life too much.
Can Chongqing mortgage house get a second mortgage? What is the process?
Friends in Chongqing, have you ever considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether a mortgaged house in Chongqing can be mortgaged twice, and what is the process of a mortgaged house in Chongqing, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Friends in Chongqing, have you ever considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether a mortgaged house in Chongqing can be mortgaged twice, and what is the process of a mortgaged house in Chongqing, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Can Chongqing mortgage a house for a second mortgage?
Can a mortgaged house apply for a second mortgage? According to the current situation, we know that the house that is making mortgage repayment can apply for a second mortgage from the bank. When doing two mortgage, you need to pay attention to the following points:
1. In order to apply for the second mortgage, the borrower has obtained the house property certificate;
2. Usually, two mortgage loans can only be handled as mortgage loans in the same bank;
3. The year and area of building construction are within the regional service life meeting the requirements of the second mortgage of the bank;
Usually, the loan interest rate of two mortgages is the same as that of the first mortgage.
Therefore, the house under mortgage repayment can also apply for a second mortgage, but the repayment pressure of the borrower will be greater, so it is very necessary to make a repayment plan in advance.
What is the process of secondary mortgage of Chongqing mortgage house?
The process of mortgage housing is divided into two mortgage:
1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent;
2. Apply for a loan from the bank and submit relevant materials;
3. After the bank conducts a credit investigation and review on the borrower, it shall notify the borrower of the review results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller.
4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.
6. The borrower repays the loan on schedule.
The above are the answers to all the questions I found about whether the mortgage house in Chongqing can be operated by secondary mortgage and what is the process of secondary mortgage of the mortgage house in Chongqing. I hope everyone is satisfied with my answer, and I hope I can answer the questions that plague many friends to buy a house and mortgage in Haikou. If in doubt, I suggest you go to relevant institutions for consultation.
What procedures do I need to prepare for mortgage loan in Chongqing?
The information required for mortgage loan in Chongqing is as follows:
1. Borrower's identification, such as ID card, household registration book, etc. If you are married, you need the marriage certificate and identity certificate of the other spouse.
2. Borrower's application for loan purpose certificate
3. The borrower's income certificate, if it is an office worker, can provide the income certificate issued by the unit, or it can be an asset income certificate or other income certificate in the name of an individual.
4. Purchase contract or agreement or real estate license. If the owner of the real estate license has minor children, a birth certificate is required.
5. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
6. The utility bill of the latest property.
7. The identity certificate of the payee and the payee's account number, such as the current deposit account opened in the relevant commercial bank.
8. Other information stipulated by the lending bank.
The above are the materials that need to be prepared in advance for mortgage loan in Chongqing. I hope it helps you.
What is the mortgage interest rate in Chongqing? What is the quota?
As of February 2020, the mortgage interest rate is similar to that of every bank. The benchmark loan interest rate announced by the bank is 4.35% from June to June (including June), 4.35% from June to 1 year (including 1 year) and 4.75 1 year (including five years).
The amount of mortgage loan is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.
At present, the mortgage loan of Chongqing bank is divided into self-owned property and mortgage property mortgage loan, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property.
This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This kind of loan can reduce the loan risk of creditors.
The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.
Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.
Extended data:
procedure
1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;
2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;
3. The bank examines and approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
What are the banks that can make housing mortgage loans in Chongqing?
With the continuous development of social economy, in real life, we will encounter all kinds of problems, especially for banks that can make housing mortgage loans in Chongqing, which also puzzles many friends. According to relevant information on the Internet, basically all major banks in Chongqing can handle corresponding housing mortgage loans. We are familiar with China Agricultural Bank and China Industrial and Commercial Bank, as well as some small banks, which can handle corresponding housing mortgage loans.
First of all, according to the corresponding data, basically all banks in Chongqing can apply for the corresponding mortgage loan, but when we apply for the corresponding mortgage loan, we must first ask whether our house meets the mortgage conditions, because some commercial banks actually have very high requirements for mortgage loans, but some banks have very low requirements, so we must first ask clearly before lending, if the property is in a mortgage state, it cannot be used for mortgage loans.
In addition, we should also know that if we have big problems, such as poor repayment ability or tainted credit, even if we can use real estate as collateral, we may be rejected by the bank, because the bank will lend us money according to our actual situation. Of course, we can also directly choose some non-large banks to obtain corresponding loans, and the loan conditions are more relaxed. There are many banks like Chongqing, but we
To sum up, we can clearly know that there are many banks in Chongqing that can make mortgage loans, and basically they have corresponding services and corresponding channels. When we need to use our own house as a mortgage loan, we can go directly to these big banks or small banks to make corresponding loans.