1. A guarantee company is a company that provides guarantees for borrowers. General banks will require customers with unknown credit status or low asset quality to guarantee the company. The guarantee companies recognized by banks are all regular enterprises registered according to law and supervised by the People's Bank of China and the national regulatory authorities, so their safety is guaranteed.

2. Mortgage is a long-term credit project, generally more than 10 years. As a guarantee company, it is generally unwilling to engage in such credit projects because the guarantee company guarantees the bank with its own net assets. If it is a long-term credit project, the guarantee amount that has not been lifted for a long time is too high, and the company will not be able to engage in other credit project guarantees. Therefore, there are no guarantee companies specializing in mortgage loans in the industry, and some guarantee companies specializing in car loans are generally short-term (within 3 years).

As an individual, to apply for a guarantee from a guarantee company, you must first pay a consultation and evaluation fee of about 2% of the loan amount, which belongs to the fare and will not be refunded after collection. If the guarantee company does not agree to the guarantee, then the ticket fee is equal to nothing. If you agree to guarantee, you will have to pay a guarantee fee of about 50% of the loan interest rate every year in the later period (as far as my local situation is concerned, it may not be consistent with other places). If you are a mortgage loan, according to the general situation, the bank does not need a guarantor, only you need to buy insurance, and the beneficiary can write in the bank. If it is a provident fund loan, some places seem to require a guarantor. Are you a bank loan or a provident fund loan?

Supplement: Every bank has a contract guarantee company. If it is a loan, you can consult the bank and ask the bank to recommend a guarantee company. Then you can consult the guarantee company. The specific fees include review consulting fees and guarantee fees. If mortgage registration is required, the registration fee will also be borne by you, which is about 0.3-0.5% of the mortgage guarantee amount. Tell you a trick, don't make a house value assessment when registering. You just need to sign a value confirmation letter with the guarantee company and negotiate to determine the market value of the mortgaged property. You can also apply for mortgage registration with the value confirmation letter, which can save an evaluation fee.

I still feel very strange. Don't all banks mortgage houses? Mortgage loans do not require the intervention of guarantee companies. Don't you think the bank you are looking for is very professional? If it were me, I would find a bank that can handle the mortgage, thus saving the cost of the guarantee company, which is tens of thousands!