When looking for an intermediary to use a house as a mortgage loan, you should pay attention to the following:
First, the time must be specified. This time is the loan time, not the loan approval time. The time between loan approval and disbursement may vary greatly.
Second, the cost of mortgage consumer loans is between 1.5 and 2 points. Including intermediary fees and third-party withdrawal fees. These must be written in the contract in advance.
Third, if the loan has been issued, the handling fee requires repayment in installments or in one lump sum when the loan is due. This behavior is not the behavior of a scammer. At present, many small loan companies in my country charge a certain handling fee and require later repayment.
Fourth, if the loan has not yet been disbursed and the person asks for payment in advance, this must be a scammer. Formal lending institutions will never require borrowers to pay any fees before loan disbursement.
Extended information:
Mortgage loan requirements:
1. House requirements
1. The property rights of the house must be clear and in compliance with the national According to the specified conditions for listing and trading, it can enter the real estate market without any other mortgage;
2. The sum of the age of the house (calculated from the date of completion of the house) and the loan term cannot exceed 40 years;
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3. The mortgaged house is not included in the local urban reconstruction and demolition plan, and must have a real estate certificate and land certificate issued by the real estate department and land management department.
2. Lender Requirements
Chinese citizens who have a fixed residence in China, a local urban permanent residence (or valid certificate), full capacity for civil conduct, and meet the following conditions You can apply for personal comprehensive consumption loans.
1. Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;
2. No illegal behavior or bad credit record;
3. Be able to provide a valid rights pledge guarantee recognized by the bank or be able to use a legal and valid real estate as a mortgage guarantee or a third-party guarantee with the ability to compensate;
4. Open a personal settlement account with the Industrial and Commercial Bank of China, and Agree that the bank will deduct the principal and interest of the loan from its designated personal settlement account;
5. Other conditions stipulated by the bank.
Reference: Baidu Encyclopedia-House Mortgage Loan