Many friends know that in the process of mortgage loan, we may be asked to find a guarantor or guarantee company, and in this process, we also need to pay a certain guarantee fee. At this time, many people don't understand that they have mortgaged their houses. Why do they need a guarantee? Then, how to calculate the mortgage guarantee fee? Why should the house mortgage be guaranteed?
How to calculate the mortgage guarantee fee?
1. The housing loan guarantee fee is a reasonable fee. Don't panic, there is nothing wrong. First of all, let me explain to you the meaning of housing loan guarantee fee. Mortgage guarantee fee means that in order to avoid mortgage risks, banks need borrowers to provide guarantee certificates from legal persons and other economic organizations with sufficient compensation ability. The fee paid at this time is the mortgage guarantee fee.
2. Calculation of individual housing loan guarantee fee: the premium standard is: the balance of loan principal and interest at the beginning of the year; Annual guarantee rate 1‰. The guarantee fee is charged in one lump sum when signing the loan contract.
Why should the house mortgage be guaranteed?
1. For friends who are in urgent need of funds, it is faster to find a guarantee company to apply for a mortgage loan. To apply for a mortgage loan, you must first evaluate the house and then go through the mortgage formalities. It is understandable that lending is slow. But looking for a guarantee company, banks prefer to deal with guarantee companies than individuals. Why do you want to find a guarantee company for housing mortgage loans is this reason!
2. If the mortgaged house is too general, the loan amount from the guarantee company is relatively high. The maximum amount of mortgage loan is only 70% of the appraised value of the mortgaged house. However, if the borrower looks for a guarantee company to operate behind the scenes, it is likely to achieve a satisfactory result of full loan. For the same reason, some users who applied for mortgage loans even realized their desire to buy a house with zero down payment.
3. After providing some protection, the threshold is relatively low.
4. Why do you want to find a guarantee company for mortgage loans? There must be advantages to be attractive, but there must be disadvantages when there are advantages. Generally, it is necessary to charge a certain fee to find a loan from a guarantee company!
How to calculate the mortgage guarantee fee and why to guarantee the mortgage loan are all included. Bian Xiao will share with you here, hoping to help friends in need. Now you should know why you need to find a guarantor when your house is mortgaged again, right? This is also to provide a certain repayment guarantee!
(Hualong. Com synthesis
Why do you need a guarantee company to guarantee a house with a loan?
To ensure that the lender has the strength to repay the loan. When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to guarantee.
In general, no guarantee company is needed. Before the real estate license comes out, in order to protect their own rights and interests, after signing the purchase contract, the developer is responsible for the early guarantee (the developer needs to pay a certain percentage of deposit to prevent some owners from defaulting on the supply and affecting the quality of bank loans); Unless the developer's qualification is too poor, a guarantee company is needed.
1. provident fund loans do need to be guaranteed, but the form of guarantee should not be limited to guarantee companies, and natural persons can also guarantee. You have to pay the service fee. But now the provident fund loan guarantee has been cancelled. If it is handled recently and needs guarantee, you can complain to the relevant departments.
2. The provident fund management center requires the guarantee company to guarantee mainly to reduce risks. The two sides should establish cooperative relations.
3. When the borrower applies for a guarantee, the guarantee company charges the borrower a certain guarantee fee and requires the borrower to use the purchased commercial house as collateral. When the borrower fails to repay the loan owed to the bank as scheduled for some reason, the guarantee company shall be jointly and severally liable for repaying the loan.
4. Among the subjects of legal relationship involved in individual house purchase secured loans, banks, guarantee companies and buyers are the legal relationships among lenders, guarantors and borrowers, that is, guarantee companies provide repayment guarantees for the loans of buyers with unpaid assets.
5. The sources of funds of the guarantee company are mainly obtained through government budget funds, asset allocation and key real estate enterprises, and there is a reliable strength guarantee in the ability to undertake guarantee responsibilities.
Baidu Encyclopedia Entry Guarantee Company _
Why do you need to find a guarantee company for housing loan mortgage? What does the guarantee company do from it? How much do you charge?
Because it takes a certain period of time from the issuance of loans to the transfer of real estate, there are certain risks during this period, so a guarantee company is needed, which is generally charged at 1 minute of the loan amount.
When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company) to provide credit guarantee for it. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.
The guarantee company is a third-party guarantor invited by the bank to reduce the risk of your non-repayment.
As far as I know, in Beijing, the guarantee company charges a corresponding proportion of fees according to the amount of your loan (called "point" in the industry). According to the difficulty of giving you a loan, it is generally 1-3 points (that is, 1-3 percent of your loan amount). For example, if you press 1 minute, you can borrow 1 ten thousand.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Repayment method: (1) equal principal and interest repayment method: equal repayment every month, and repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
What is provident fund loan guarantee? Why do you want to make a guarantee?
Nowadays, the way of buying a house with provident fund loans has been accepted and loved by most urban workers. In the process of loan, everyone will meet the requirements of provident fund loan guarantee, and many people will ask questions-what is provident fund loan guarantee? Why do you want to make a guarantee? In fact, protection is still necessary. Please see the following answer.
Nowadays, the way of buying a house with provident fund loans has been accepted and loved by most urban workers. In the process of loan, everyone will meet the requirements of provident fund loan guarantee, and many people will ask questions-what is provident fund loan guarantee? Why do you want to make a guarantee? In fact, protection is still necessary. Please see the following answer.
Provident fund loans are generally guaranteed. This is stipulated by the provident fund management center, because provident fund loans are entrusted loans. In order to control risks, the provident fund management center will introduce a guarantee department to guarantee loans.
The housing loan guarantee is jointly and severally guaranteed by the housing property right guarantee company recognized by the provident fund management center. At the same time, the borrower mortgaged the house to the guarantee company as a counter-guarantee. Housing property guarantee companies provide guarantees for individual housing provident fund loans, which is a reform measure to reduce loan links, improve the quality of loan intermediary services and reduce loan risks.