What materials does Zhuhai need to apply for mortgage guarantee?
Where the mortgagor is an individual, the following materials shall be provided:
(1) Identity card, household registration book or other identification certificates;
(b) If married, provide a marriage certificate and obtain the consent of the spouse; Unmarried provide proof of unmarried;
(3) If the house is mortgaged, provide the house title certificate; If the house is owned by * * *, the unanimous consent of all other * * * owners must be obtained;
Collateral evaluation report;
(e) list of collateral.
Where the mortgagor is an enterprise, the following materials shall be provided:
(a) the original business license of the enterprise as a legal person (after the annual examination);
(b) The certificate and identity card of the legal representative of the enterprise;
(3) If the agent handles it on his behalf, he shall submit a power of attorney and an identity card;
(d) Proof of ownership of the mortgaged property. If the house is mortgaged, provide the original real estate license; If other property is mortgaged, the corresponding property right certificate shall be provided;
(e) The mortgaged property belongs to * * * and needs the consent of other * * * people; Where laws, regulations or rules stipulate that mortgage needs to be approved by the relevant competent department, it shall be reported to the competent department for approval;
Collateral evaluation report or written proof that the value of the collateral is determined by both parties through consultation;
(7) Where a limited liability company, joint stock limited company, Sino-foreign joint venture, cooperative enterprise or foreign-capital enterprise mortgages its real estate or other property, it shall provide the articles of association, the establishment agreement and the resolution of the board of directors agreeing to mortgage;
List of collateral.
How much is the guarantee fee for Zhuhai mortgage loan?
1. What is the mortgage guarantee fee? It is understood that the guarantee fee to be paid for mortgage loans is two fees: one is the mortgage registration fee, which is charged by the bank for mortgage registration in the real estate bureau. The second is home insurance fee, which is calculated according to loan amount × 0.05% × loan period. This fee is generally paid voluntarily and will not be imposed.
2. There is also a calculation formula for the guarantee fee of personal mortgage: the standard for collecting the guarantee fee is: the balance of loan principal and interest at the beginning of the year × the annual guarantee rate 1‰. The guarantee fee is charged in one lump sum when signing the loan contract. You can also use this formula to calculate how much guarantee fee an individual needs to pay. In addition, you can also use the mortgage guarantee fee calculator to calculate the specific guarantee fee.
3. According to the normal process, the bank can only issue housing loans after showing the mortgage certificate, and the loan certificate can only be issued after the house is transferred and the two certificates are complete, which not only makes the loan procedures cumbersome, but also makes the seller face the high-risk situation that the house and property may be emptied. In order to avoid this situation, the mortgage guarantee fee came into being.
The above is the information I brought to you about what materials are needed to apply for mortgage guarantee in Zhuhai and what the mortgage guarantee fee in Zhuhai is. I hope to help more friends have a comprehensive understanding of this. In today's high housing prices, it is actually very good to buy a suite by mortgage, and it is not easy to buy a house now.