(1) guarantee
The guarantor (guarantee company) provides the borrower with joint and several liability guarantee. The guarantor shall sign a guarantee contract with the provident fund center.
Guarantee mode of provident fund loan (II) Mortgage guarantee
A borrower may use his or others' property as collateral. If the collateral belongs to * * * property (including * * * property formed during the existence of husband-wife relationship), the certificate that all * * * people agree to mortgage shall be provided; If the borrower mortgages the property of a third party, it shall issue a certificate (or undertaking) that the creditor agrees to mortgage.
Property with unclear or controversial ownership, dangerous houses, property that has been or will be included in the scope of demolition, and collective land cannot be used as collateral. Collateral shall be evaluated in accordance with regulations.
The mortgagor shall sign a mortgage contract with the provident fund center.
Real estate mortgage shall be registered with the real estate management department according to law, and a certificate of other rights or a certificate of filing before mortgage shall be obtained.
Provident fund loan guarantee method (III) Personal housing provident fund guarantee
The borrower or others provide joint liability guarantee for the borrower with individual housing provident fund. The guarantor's housing provident fund balance should reach more than 80% of the loan amount.
After taking the housing provident fund as the borrower's guarantee, during the guarantee period, the guarantor cannot apply to the provident fund center for withdrawing its housing provident fund, nor can he apply for a housing provident fund loan. When the amount of the borrower's housing accumulation fund reaches 80% of the loan balance, the guarantor automatically cancels the guarantee.
The guarantor shall sign a guarantee contract with the provident fund center.
Guarantee mode of provident fund loan (IV) Pledge guarantee
The borrower takes bonds, bank certificates of deposit and other securities as collateral and guarantees them in full. The pledgor shall sign a pledge contract with the provident fund center, and go through the formalities of freezing and stopping payment of the pledge, which shall be kept by the provident fund center.