Secured loan is a way of housing loan. It can be an application for a third party to provide a guarantee for the borrower and assume joint liability. It can also be that the borrower or a third party applies for mortgage or guarantee with the property such as the house it has purchased. Now let's take a look at the details of the housing guarantee loan with Bian Xiao.

I. Application conditions for secured loans

1. The borrower should have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The borrower has opened a savings account in the loan bank, and the balance of the deposit accounts for not less than 30% of the total house purchase price, which will be paid as the down payment for the house purchase;

3. The borrower has a permanent residence in town or a valid residence status;

4. The borrower has a legal and effective purchase contract or agreement;

5. The guarantee company agrees to use the assets recognized by the guarantee company as collateral, and act as the guarantor for the borrower to repay the principal and interest of the loan and bear joint liability.

Two. Information required for secured loans

1, income certificate issued by the borrower's work unit;

2. Valid identity documents and marriage certificates of the borrower and his spouse;

3. The borrower's down payment certificate;

4. The borrower's purchase contract or agreement;

5 loan application form and loan recommendation letter;

6. Loan application form and guarantee application form;

7. If the real estate has a bank loan, the borrower shall provide the original loan contract and the latest bank statement.

Third, the secured loan law.

1, housing mortgage loan

Housing mortgage loan is the most common guarantee method, and the collateral acceptable to the loan bank is the house purchased by the borrower or the house with property rights. The borrower shall go through the mortgage registration formalities with the real estate management authority in accordance with the relevant laws, and purchase mortgage property insurance and loan guarantee insurance from the insurance company recognized by the loan bank in accordance with the regulations, and the loan can be obtained after the formalities are complete.

2. Pledged loan guarantee

Pledged loan guarantees generally include government bonds, certificates of deposit, funds and patent rights. According to the relevant regulations, when a borrower applies for a pledge loan, the amount contained in the pledge right certificate must exceed the loan amount, that is, the amount contained in the pledge right certificate must be at least 65,438+00% of the loan amount, and the loan bank must authenticate it to ensure that it is true and effective before handling the pledge loan. When signing a loan pledge contract with the bank, the borrower shall hand over the securities, certificates of deposit and other pledges to the loan bank for safekeeping, and the loan bank shall assume the custody responsibility.

3. Third-party secured loans

Third-party secured loans require borrowers to provide qualified guarantors to banks when applying for loans. When the borrower fails to repay the loan on time, the guarantor has the obligation to bear joint and several repayment responsibilities. In addition, not everyone can apply for a secured loan as a guarantor and must meet certain guarantee conditions. The specific situation will be implemented in accordance with the regulations.

The above contents are related knowledge of secured loans compiled by Bian Xiao. Do you all understand?

(The above answers were published on 20 15- 12-25, and the current relevant housing purchase policies should be based on the actual situation. )

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