Loan guarantee is divided into four ways: real estate mortgage, right pledge, natural person guarantee and guarantee company guarantee.

Real estate mortgage loan

If existing houses or purchased second-hand houses are used as collateral, the full value of the real estate must be used for loan mortgage, and the loan amount shall not exceed 60% of the mortgaged real estate appraisal value.

Two. Right pledge

The pledgor and the pledgee must sign a written pledge contract and go through the pledge freezing procedures. The pledge rate is determined within the range of 50%-90% according to the nature of securities, and the types of securities used for pledge are recognized by the provident fund management center.

3. Natural person guarantee

The guarantor must pay the housing provident fund 12 months in full and on time in the provident fund management center, and have a fixed income source and sufficient compensation ability. Those who have not paid the housing provident fund for more than 3 months in a row cannot provide provident fund loan guarantee. At least 1 The guarantor is an employee of an administrative institution with full financial allocation or an employee of other units recognized by the provident fund management center.

1. Urban area (including Taishan District and Daiyue District): If the borrower's loan amount is within 6.5438+0.5 million yuan (inclusive), a guarantor of 65.438+0 is required to provide loan guarantee; 15000 yuan (exclusive) -300000 yuan (inclusive) requires two guarantors; 300,000 yuan (excluding)-400,000 yuan (including) needs 3 guarantors.

3. Branches (excluding Taishan District and Daiyue District): If the loan amount of the borrower of the management department (sub-center) is within 654.38 million yuan (inclusive), 1 guarantor is required to provide loan guarantee; 65,438+10,000 yuan (excluding)-200,000 yuan (including) requires two guarantors; 200,000 yuan (excluding)-300,000 yuan (including) requires 3 guarantors; More than 300 thousand needs 4 guarantors.

Four guarantee companies

Where a guarantee company is used, the guarantee company recognized by the management center shall go through the whole guarantee formalities. At present, the guarantee companies that have signed cooperation agreements with the center are "Shandong UnionPay, Shandong Ding Sheng and Taian Huatai".

Personal opinion: it is more convenient to ask the guarantee company to guarantee. Buying a house with your spouse can be the first set, and buying a house with your father can be the second set of interest rates.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.