According to this netizen's self-report, if I had known the process of the second-hand housing loan intermediary, I would not have signed an agreement a few months ago to apply for a mortgage loan in the bank. However, due to the tight bank credit, the loan is still unsustainable. Because the seller urges him to pay the house every day, he says he will cancel the contract if he doesn't pay. He's worried. Later, the real estate agent said that he could help get a loan faster, but he had to charge a certain percentage of fees to ensure that he could get the loan within one month after payment. Through this matter, we can know whether it knows the process of second-hand housing loan intermediary. There wouldn't be such trouble!
So, should this netizen give the money to the intermediary company?
Middlemen mainly apply for loans from buyers through guarantee companies, because they are familiar with bank guarantee companies and can get loans through some "internal applications". Of course, not all companies have such connections. The handling fee depends on the situation of each business, and generally does not exceed 3% of the loan amount. As for whether these allegations are reasonable, the person said that there are no relevant regulations at present, but this is the practice in the industry.
This money can be saved completely. Banks will not appoint guarantee companies, nor will they set the charging standards for guarantee services, and they will not charge so-called "loan fees". Individuals can apply for banks directly.
What is the process of second-hand housing loan intermediary?
Purchase agreement or sales agreement between the buyer and the seller;
The buyer shall submit a loan application to the loan bank and provide relevant supporting documents;
Appraisal institutions designated (recognized) by both lending banks for housing appraisal;
Review, investigate and analyze the legal opinions of law firms and issue legal opinions.
After the approval of the loan bank, notify the loan applicant whether to agree to the loan;
The Buyer and the Seller shall handle the transfer formalities of the house. After the transfer, the borrower goes to the bank to handle the loan procedures.
The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee. The above is the process of second-hand housing loan intermediary, please remember these!
The mortgage loan contract signed by the mortgagor and the loan bank;
The buyer and the seller transfer all the warrants to the loan bank for mortgage registration;
After the company loan contract comes into effect, the lending bank shall pay the funds according to the loan contract;
The borrower shall repay the loan on a monthly basis;