The loan guarantee company in Beijing looks at it online.
1, online search, guaranteed by Liu Xing Scout (Beijing Liu Xing Scout Information Technology Co., Ltd.) (the only loan guarantee company listed in Beijing).
2. Ronglian Ye Wei (Ronglian Ye Wei Investment Consulting and Mutual Insurance Co., Ltd.).
3. Kangping Guarantee (Beijing Kangping Investment Guarantee Co., Ltd.).
202 1, which bank in Beijing does personal mortgage?
In Beijing, commercial banks such as China Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and Bank of Communications can apply for loans.
1. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
2. Compare mortgage and mortgage.
The mortgage stipulated in the Urban Real Estate Management Law and the Guarantee Law is somewhat different from that in Hong Kong, that is, the definition of mortgage in these two laws is based on the condition of not transferring possession.
Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full. In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagor (purchaser) first signs a purchase contract with the developer and prepays part of the purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house price to the developer, and the buyer pays the mortgage bank regularly until the "mortgage price" is paid according to the regulations, and the mortgage process is over.
3. Mortgage loan is a way for the buyer (mortgagor) to borrow from the bank (mortgagee). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.
Mortgage loan is a common way to sell real estate in the world. Although it is different from mortgage loan in nature, it has the same goal of "suppressing house ownership" to ensure the performance of debts (installment payment and repayment on schedule).
Beijing Housing Mortgage Loan Requirements
In Beijing, we need to face all kinds of situations. Some people will choose to mortgage their houses to banks to get loans and solve their own financial problems. Do you know some requirements of housing mortgage loan in Beijing?
First of all, we must understand the requirements of housing mortgage in Beijing:
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
(2) The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years;
(3) Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
We should know the qualifications of Beijing applicants:
The first is to have a local fixed residence in Beijing, a certificate of permanent residence in Beijing, and full capacity for civil conduct; Secondly, we must have a legitimate occupation and a stable source of income, have the ability to repay loans, and finally have no bad illegal records, and be able to provide local real estate licenses or third-party guarantees with repayment ability.
Next, we should know the purpose of Beijing housing mortgage loan:
(1) Used for house purchase: mortgage loan refers to a loan that an individual pays a certain down payment when purchasing a house with a house title certificate, a house that can be traded in the market or a commercial house, and the rest is applied to the cooperative organization with the purchased house as collateral. Generally, the annualized interest rate of such loans is expected to rise above 10%; At the same time, the review of mortgage loans is also relatively strict. For example, buyers must meet the strict requirements of the first suite, hukou, good credit record and stable income. Generally, the bank approval time is 1-3 months.
(2) Used for business operation: for financing products mainly serving small and medium-sized enterprises or individual industrial and commercial households, borrowers can obtain loans through mortgage and other guarantee methods. The bank operating loan interest rate is higher than the mortgage loan interest rate and higher than the expected annualized interest rate of the loan benchmark 10%~30%. Bank requirements: the borrower's credit record must be good; Open a general deposit account in a loan bank; The company operates well and has real estate or other effective mortgage guarantee. It usually takes 1 to 2 months to reply.
What are the loan requirements of Beijing Real Estate Mortgage Corporation?
What are the loan requirements of Beijing Real Estate Mortgage Corporation? The requirements of real estate mortgage loan for borrowers are: at least 18-60 years old, with no criminal record, no bad credit record, and stable occupation and income; The requirements for mortgage real estate loans are: clear property rights and complete documents, not exceeding 20 years (some banks will relax to 25 years); Those who meet the above conditions and can provide relevant certification materials can apply for real estate mortgage loans. When real estate is mortgaged, the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 30 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others; If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it. Beijing real estate mortgage loan can be handled in the following ways: 1. Banks: banks are the lending institutions that most people choose at present, with relatively realistic interest rates and deadlines, but high application thresholds; 2. Small loan companies: Small loan companies are non-governmental organizations, and the interest rate will be relatively high, but the application threshold is low. The basic process of Beijing real estate mortgage loan is as follows: step one: fill in the loan application form at the bank and submit the loan application materials according to the requirements of the bank; The second step: the appraisal of the house, the appraisal report issued by the appraisal institution recognized by the bank; Step 3: Bank audit. After approval, the bank will communicate with the borrower about the loan amount, interest rate, repayment period and repayment method, and the two parties will sign a contract after communication; The fourth step: mortgage registration, with all the loan information to the Housing Authority for mortgage registration; Step 5: After obtaining other warrants, the bank will lend money according to procedures. With the development of society, loans are not only the patent of large enterprises, but also available to everyone in today's society. Lending banks have certain requirements for individuals and enterprises. The most basic requirement is good credit, that is to say, there is no black history of owing money and nothing illegal or taboo.
Which is the Beijing loan guarantee company?
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. is a large-scale professional loan financing guarantee institution. The company is mainly engaged in investment management, property rights mortgage, personal credit, corporate loans and other businesses, and has good cooperative relations with various financial institutions and banks in Beijing.
The company is committed to personal consumption credit, commercial loans, vehicle mortgage loans and other businesses, providing specialized loan guarantees, investment and financial management and all-round supporting services for individuals and enterprises. With years of industry management concept, standardized market operation, fine management mode and high-quality and efficient service, the company has won unanimous recognition from all cooperative banks in Beijing, won wide acclaim from customers, and enjoyed high popularity and credibility in the industry and society. The company focuses on customers who need personal and corporate loans, creating a brand-new win-win development model with customers.
The company has a professional team proficient in finance, tax policy, laws and regulations, real estate and other related knowledge. All employees have undergone professional and strict business training, and have a unique understanding of the industry and experience in solving practical problems.