It should be possible to get a loan from a friend, but there should be few people to help. After all, what you need is your own identity to deal with it. If you don't pay back the money, your friend will be in debt crisis. Few people would risk doing such a thing. When handling mortgage loans, the bank running water provided by the lender plays a vital role in the approval of mortgage loans. If there is no running water in the bank or the running water is insufficient, the mortgage may be rejected, but you can try to find someone else to guarantee yourself. So, can this guarantor be a friend of the lender? Let's have a look.
Can I ask a friend to guarantee my mortgage?
Banks have no specific restrictions on the objects of mortgage guarantors. It can be a relative of the lender, such as parents, brothers, sisters and other relatives; It can also be a friend or colleague of the lender.
However, whoever seeks a guarantee must meet the following basic conditions:
1) You must be jointly and severally liable for the mortgage, repay the loan for the lender when it is unable to repay the mortgage, and you can ask the lender to recover the money after repayment;
2) Must have repayment ability, which should be judged from the income, liabilities and salary flow of the guarantor;
3) It must be consistent with the lender's household registration, and it is the local household registration of the loan place;
4) You can't be a retiree, even if you have a pension every month.
5) Must have good credit, especially in the last six months.
Tips:
Depending on the nature of the mortgage, the loan guarantor may have other requirements, such as the provident fund loan guarantor, who must also pay the provident fund continuously for more than half a year, and has never made a provident fund loan under his name.
Summary:
To sum up, the mortgage flow is not enough. As long as friends have the above guarantor conditions, they can be allowed to guarantee loans.
It's good that friends are willing to help, but don't cheat them. You must inform the guarantor of the responsibilities and risks in advance. For example, if the lender is unable to repay the loan, the guarantor must repay it for them, otherwise the overdue will also affect personal credit; If it is a provident fund loan, the guarantor cannot make a provident fund loan before the lender pays off the mortgage.
Is the pass rate of acquaintance loan high?
Tall man.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
No intermediary can go to the bank to talk about mortgage?
Mortgage loans must be negotiated with banks through intermediaries.
If the bank has no acquaintances to handle it directly, it must find an intermediary or a loan company to handle it, and it needs to pay a handling fee, regardless of whether the bank handles it directly or not, it will generate an evaluation fee.
When banks handle housing loans, usually only the short-listed institutions can recommend business. Some intermediary companies are not shortlisted, so they have to entrust a third party to handle it, and naturally they need to pay a handling fee. Moreover, some intermediaries were shortlisted, and people also paid fees, deposited money in the bank, or agreed to other requirements of the bank, such as pulling deposits and buying funds, so they also had to charge loan fees for being shortlisted.
2065438+June 2004, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development jointly issued the Notice on Liberating Real Estate Consulting Fees and Decentralizing the Management Power of Real Estate Agents. The pricing power of real estate commission fees has been decentralized to various places, and the restrictions on commission fees have been abolished in many places, and market pricing has been implemented. In other words, the price is freely fixed by the entrusting party through consultation with the institution.
Extended data:
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current branch notice is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other outlets are not clear."
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.