Qian Yun suggested that mortgage loans can be divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to guarantee the creditor's rights that occur continuously for a certain period of time with collateral, which is a new mortgage system different from the traditional mortgage system. It differs from the traditional mortgage system as follows:
(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;
(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;
(3) if there is a maximum mortgage, it must exceed the maximum payment;
(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.
Let's take a look at four points for attention in housing mortgage loan:
1. Do you have a good credit record?
The biggest difference between mortgage loan and other loans is that when the borrower fails to repay the loan for a long time and has to do it, the bank will auction the mortgaged house to make up for the economic losses. Therefore, when banks approve mortgage loans, they will pay special attention to the credit records of borrowers and generally choose borrowers with good reputation to cooperate. If you have overdue users for more than three times in a row in two years, or accumulated overdue users for more than six times, then it is estimated that it is difficult for you to apply.
2. Can I mortgage my property in someone else's name?
In addition to the property in my name, the property provided by the borrower in the name of others can also be recognized by the bank. However, in order to avoid legal disputes, it is necessary to obtain the consent of the owner of the house when mortgaging the property under the name of others, and at the same time issue relevant application materials for agreeing to mortgage, so that the bank can have no doubt about this. If you take your house to the bank for mortgage without the owner's consent, the bank will reject your application.
3. Does the mortgaged property have liquidity?
Generally speaking, the property mortgaged to the bank must be realized, otherwise the bank will not accept your application. For example, you are going to mortgage a set of dangerous houses that are about to collapse for more than 40 years to the bank. You're not looking for a loan! It's strange that the bank gave you a loan! Generally speaking, there are several kinds of houses with poor liquidity, which are generally difficult to be recognized by banks.
4. Do you have enough repayment ability?
When approving loans, banks will not only consider whether the borrower's credit record is good, but also examine whether the borrower has sufficient repayment ability. Therefore, if you don't have a stable job, or can't provide proof of income and work, or can't provide bank running water, you will generally be recognized by the bank as a person with worrying repayment ability, and you are not eligible to apply for mortgage loans or even other loans.