The freezing of mortgage deposit means that the bank collects the guarantee responsibility from the developer according to a certain proportion of the total loan in the process of mortgage loan, and the bank returns the mortgage deposit to the developer after the real estate license is issued. Owners should insist that developers require buyers to pay mortgage deposits and use legal weapons to safeguard their legitimate rights and interests. What is a mortgage deposit? Bank mortgage deposit guarantee is widespread in the banking industry. The usual practice is the project cooperation agreement signed between the bank and the real estate development enterprise (hereinafter referred to as the "agreement") and the individual purchase guarantee loan contract, and it is stipulated in the contract that the bank will issue housing mortgage loans to the buyers who develop real estate for the developers, and the developers will open a special deposit account in the bank, and the deposits received will be paid as a guarantee according to a certain proportion of the loan balance. After the borrower obtains the real estate license and completes the mortgage registration formalities with the bank as the mortgagee, the bank will return the corresponding deposit in the deposit account to the developer who fails to repay the principal and interest on schedule as agreed in the contract, and the bank has the right to directly deduct the relevant funds from the deposit account. The significance of mortgage loan margin mortgage loan provides the second source of repayment, which is like a double-edged sword for maintaining the risk of bank mortgage loan. Although it is open, the risk is already in the process of housing sales. At present, due to various complicated situations, banks are always responsible for loans, which leads the parties to disclose the risk guarantee of loans from time to time, because sometimes it is considered that deposit guarantee is not movable property, that is, banks do not have the priority to be repaid. Suggestions on risk minimization The best way for both parties to minimize risks is to have legal awareness and take effective measures to improve the contract with all parties, so that the risks can be completely controlled within their own vision, and then the risks can be minimized. It is not correct to completely avoid risks or ignore them. At the same time, it further explains the setting method of monetary chattel pledge, and its operation form is generally standardized by commercial banks at present.
Second, do you need to pay a deposit for the loan?
Don't. According to your explanation, I can judge that you met a liar who pretended to be a loan company. Formal loan companies do not need to pay any fees before obtaining loans. Even if you fill in the wrong bank account number, the transfer will be returned, there will be no loss of funds, and there is no need to verify the funds for thawing. You don't need a deposit. So this is the routine of a liar. The wrong situation was also changed by the liar, just to find a reason. Forms of routine loans: soliciting business from abroad in the name of "company" and "guarantee company", signing loan contracts with you, creating the illusion of private lending, and defrauding you to sign "inflated loan contracts", "yin-yang contracts" and real estate mortgage contracts under various names such as "liquidated damages" and "margin", which is obviously unfavorable to you. If the customer applies for a loan, the loan funds are frozen due to the wrong bank code, so there is no need to repay. After all, the funds were frozen and the customers did not use them. In this regard, customers can contact the platform customer service and provide the correct bank card. After the platform unfreezes the funds and withdraws them, it can repay them in installments on time according to the repayment plan agreed in the contract. Online loan 1 Notes, loan conditions. Many online loans are credit loans, but the conditions are still different. In addition to applying for age limit, student loans are generally not allowed, and there are other requirements. For example, some people will check the credit information and pay more attention to the applicant's personal credit; Some will also refer to some credit scores, such as sesame credit, which should be clearly understood before lending. 2. Loan costs. First look at interest. Although the current online loans are paid monthly, they actually bear interest on a daily basis. Generally, the daily interest rate is around five ten thousandths, and the qualified interest rate will be low. If it exceeds this interest, don't apply; Secondly, see if there are any other expenses. If you want to transfer money, you will receive a deposit or something, so don't consider it.
3. Is it necessary to pay a loan deposit for the loan of ABC?
No need. The former CBRC expressly stipulated that no bank may charge the borrower's deposit and interest reserve when issuing loans. Only a few years ago, the government encouraged small and medium-sized enterprise credit guarantee companies to deposit enough margin before borrowers applied for loans.
4. Do I have to pay the loan deposit?
Hmm? Never heard of it.
At least from my provident fund loan, I have never heard of any deposits.
Do you mean the guarantee fee?