If you can get a loan, don't guarantee it, just mortgage the house.
Second, why do second-hand housing loans need guarantees?
In order to avoid mortgage risks, banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation ability when applying for loans to buy houses. If the applicant can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company, and they will provide you with a guarantee. The fee paid at this time is the mortgage guarantee fee.
When applying for a second-hand housing loan, you need to submit a mortgage certificate, but the mortgage certificate can only be issued after the house is transferred and the two certificates are complete. This leads to the seller holding only a meager down payment for two or three months before the bank lends money, which is in an embarrassing situation where the house and real estate are empty, and the interests of the seller will be difficult to be guaranteed.
Therefore, when buying and selling second-hand houses, sellers are generally unwilling to take such risks. In this case, the mortgage guarantee fee came into being. On the premise that the applicant meets the loan conditions, if the second-hand housing loan business is handled through the guarantee company, the bank will lend money faster.
At present, the general process of handling second-hand housing commercial loans through intermediaries and guarantee companies is as follows:
The lender applies through the intermediary → the intermediary asks the appraisal company to evaluate the house price → the guarantee company guarantees for the lender → the bank reviews the application submitted by the guarantee company → and lends the money to the lender after the approval.
In another case, if the seller trusts the buyer very much and the loan department of the bank agrees, the lender can apply for loan guarantee directly from the bank without any guarantee, and the cost of loan guarantee can be saved.
(The above answers were published on 20 15-06- 12. Please refer to the actual situation for the current purchase policy. )
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Third, who is the guarantor of the sale of second-hand houses?
There is no guarantor for the sale of second-hand houses. The role of the intermediary is to find out whether there is a mortgage or whether the property right of the loan is clear, and the role of the two sides in negotiating transactions. If there is a guarantee, it is the bank and the housing authority.
The Housing Authority and the bank will supervise the down payment at the time of transfer, and the bank will only lend money when it is determined that there is no problem, and the Housing Authority will also handle the transfer.
Fourth, the second-hand housing loan needs several people to guarantee.
one person
Generally speaking, one person can do it. The guarantor applying for a bank loan must meet the following conditions: 1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 years old (inclusive); 2. Have legal and valid identification (resident ID card, household registration book or other valid identification).