What is bank loan repurchase? The following is about mortgage repurchase, and my personal understanding is as follows:
1. Mortgage repurchase: refers to that the mortgagor stops repaying the loan to the bank for some reason, and the real estate agent acts as the guarantor to repay the loan to the bank for the buyer. After the repayment is completed, the real estate agent takes back the house purchased by the buyer and collects relevant money from the buyer.
2. Mortgage loan: The mortgagor (purchaser) obtains the loan from the bank with the purchased house as collateral, and the purchaser repays the principal and interest to the bank in installments according to the repayment method and time limit agreed in the loan contract. After repaying the principal and interest, the bank will return the property rights to the buyers; If the lender defaults, the bank has the right to take away the house.
Third, for example, Xiao Zhang bought a house in a real estate company through mortgage loan. To this end, Xiao Zhang pays the mortgage principal and interest to the bank in installments every year. Suppose that after two years, Xiao Zhang will not return the loan to the bank. At this time, a real estate company returned the loan to the bank instead of Xiao Zhang, recovered the property right of the house and terminated the contract, and informed Xiao Zhang to pay the relevant money. Therefore, mortgage repurchase is mainly aimed at real estate developers.
The above is for reference only.
Second, how to redeem the reverse repurchase of government bonds?
The reverse repurchase investment of government bonds, like buying and selling stocks, needs to be carried out on the exchange, so you must have a stock account to talk about the reverse repurchase transaction of government bonds.
2. Open bank securities transfer.
When opening a stock account, we will also open a bank-securities transfer together. Bank-securities transfer is a channel to transfer money from bank cards to securities accounts, and bank cards and securities accounts will transfer money to each other.
The above two steps can be completed directly through online account opening, step by step; Of course, it can also be opened in the offline business outlets of brokers. For old investors who are not used to opening accounts with mobile phones, they can go offline to find brokerage staff to guide the opening of accounts.
3. Find the mobile app national debt reverse repurchase zone to operate.
(1) Open the securities trading APP and enter the "trading interface";
(2) Find the "reverse repurchase of government bonds" area, click to enter the trading interface, and Shenzhen Stock Exchange will start investing 1 1,000 yuan, Shanghai Stock Exchange will start investing 1 1,000 yuan, and Shanghai Stock Exchange will start investing 1 1,000 yuan.
(3) Choose the national debt reverse repurchase products that suit you. The product term of national debt reverse repurchase can be divided into: 1 day, 2 days, 3 days, 4 days, 7 days, 14 days, 28 days, 9 1 day and 182 days. You can choose according to your own needs, and then enter the purchase interface.
(4) Enter the purchase amount, and then click "Join Now" (some brokers lend or sell) to complete the transaction.
4. The reverse repurchase of national debt expires and the investment is completed.
Investors need not worry about this step. When it expires, the money will automatically return to your stock account. The principal and interest are together, so you only need to pay attention to the time when the funds are used.
3. Bank loan repurchase?
The bank packages the loan right it has released and sells it to another bank or other people, and then pays back the money to buy the loan back later.
4. What does bank repurchase mean?
Central bank repurchase is a method to adjust monetary policy, which refers to the process that the central bank recovers RMB and handles currency by buying and selling securities with traders. Bank repurchase is mainly divided into positive repurchase and reverse repurchase. Reverse repurchase means that the People's Bank of China buys securities from a primary dealer and agrees to sell them back to the primary dealer on a specific date in the future. Repurchase is a transaction in which one party takes a certain scale of bonds as collateral, integrates funds and promises to repurchase mortgage bonds in the future.