Pledge: refers to the way that the borrower or a third party gives the certificate of rights that meet the prescribed conditions to the loan bank for possession, and the loan bank uses this right as the loan guarantee to issue loans to the borrower.
Guarantee: refers to the way that the loan bank issues loans to borrowers with legal persons or individuals who have the ability to pay off on their behalf as guarantors.
Mortgage (pledge) plus guarantee: refers to the way that the loan bank provides loans to the borrower on the basis of the mortgage (pledge) provided by the borrower or the third party, and at the same time requires the borrower to provide a guarantor that meets the specified conditions as the loan guarantee.
How to borrow money to buy a house?
1, choose a room. When buying a house, you need to consult a good developer. Most houses can be loaned, but it is not excluded that some housing developers do not have mortgage loan service, so you should say hello when choosing a house.
2. Loan application. Once you decide to mortgage the house, you need to apply for a loan, and you need to fill out the mortgage application form.
3. Sign a house purchase contract. After receiving the lender's mortgage loan application, the bank needs to review it to determine whether the lender has the loan conditions. If the review is successful, the lender and the bank need to sign a contract for the pre-sale and purchase of commercial housing.
4. Sign a house mortgage contract. Before buying a house loan, you need to pay a down payment from the developer. Developers issue purchase invoices, and sign mortgage loan contracts in banks with purchase invoices and related procedures.
5. Apply for mortgage registration. You need to take the relevant information and procedures of buying a house to the real estate management unit of the government department for mortgage registration and filing, and because the house is purchased by mortgage, you need to buy corresponding insurance.
6. Handle the repayment account. When signing a loan contract, the bank will ask the repayment person to handle the repayment account of the bank and sign the relevant contract.
The cost of applying for a loan to buy a house through an insurance company
1, deposit. At present, most guarantee companies adopt the method of charging afterwards. In order to reduce their own risks, they usually charge a certain deposit first. If the customer gives up the loan halfway, the deposit will not be refunded;
2. The appraisal fee for real estate is 400-500 yuan per house, and villas and real estate designed for commercial use shall be discussed separately;
3. Intermediate fees charged by banks include "intermediate fees" and "loan fees". Generally, fees are charged because the bank loan amount is relatively tight. The cost is between two thousandths and one percent. Different loan bank fees are different;
4. The cost of withdrawing cash. If you expect to get cash and transfer the loan to your personal card, there will be this fee;
5. Guarantee fee, which depends on the provisions of the guarantee institution.