What are the secondary mortgage traps of small loan companies?
The trap of the second mortgage of small loan companies' real estate includes: the housing in the second mortgage is under great pressure from banks or small loan institutions, so when handling the second mortgage, the loan interest rate is often very high, calculated on a monthly basis. Under normal circumstances, the monthly loan interest rate paid by the second mortgage is about 5% of the loan amount.
The traps of secondary mortgage of small loan companies' real estate are: mortgage loan with house, which is relatively common at present. Apply for a loan from the bank with the real estate license and pay off the loan within the prescribed time limit. After the real estate license loan, if you want to make a second loan, you need to act in accordance with the bank's norms. Some banks do not accept the second loan, and some banks only accept the first loan in their own bank's real estate license for the second loan.
The trap of the second mortgage of small loan companies' real estate includes: if the real estate license is used for the second loan, it will be placed in great risk, which is also a problem that banks attach great importance to. For example, the house price fluctuates greatly, and there are great security problems after the loan. If the bank receives the second loan from the real estate license, it will increase the credit scale and increase the loan risk, and the impact will be more troublesome, so it needs to be very cautious.
What are the precautions for real estate mortgage?
1, note that the age of the mortgaged property should be within 20 years; The longest loan period is ten years; The maximum loan amount is 70% of the appraised value of the house; The implementation standards of interest rates of various lending institutions are inconsistent; Mortgaged property requires real estate license and land use certificate; If you use the property under the name of others as collateral, you need to obtain the consent of others; The mortgaged property is liquid.
2. Pay attention to real estate mortgage. Real estate mortgage refers to a kind of RMB loan that is mortgaged by the borrower's newly purchased commercial housing, and the loan bank provides the borrower with a package of financial services to meet its various needs such as buying a house, parking spaces, large durable consumer goods, automobiles and house decoration.
3. Pay attention to real estate mortgage. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.
4. Pay attention to real estate mortgage. Mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.
5. Attention characteristics of real estate mortgage: the loan period is long, up to 65,438+00 years, which relieves the repayment pressure to the greatest extent and makes it easier to use money; The loan ratio is high, up to 70% of the appraised value of the loanable house; The low loan interest rate effectively reduces the financing cost. The benchmark annual interest rate of the loan is 5.94%. (In practice, the specific loan interest rate and loan life should be determined according to the borrower's credit record and repayment ability. )
What are the secondary mortgage traps of small loan companies? What are the precautions for real estate mortgage? These are the answers that everyone wants. The process of real estate mortgage is complicated, and the existence of secondary mortgage is likely to have a certain impact. In short, everyone should know the steps of real estate in life, so that everyone can avoid problems well.