Ordinary banks don't do this. Unless your loan terms are poor, the bank will use this combination to guarantee it.

Second, why do you need a guarantee company to borrow money from a bank?

Why do you need a guarantee company to borrow money from a bank? If you borrow money from a bank, you will definitely contact the guarantee company. The guarantee industry is still a new industry in China. In the lending relationship between banks and borrowers, it exists as a guarantor. It signed guarantee contracts with banks and borrowers respectively to establish specific economic relations. Many people always have a question in their hearts, why do they want to find a guarantee company to borrow money from the bank? The reason is actually simple:

1. There are many loan procedures, and the application materials vary from person to person. With the assistance of professional loan consultants, the approval speed can be accelerated;

2. The loan process is complex, involving not only banks, but also housing management departments, and banks also need to ask guarantee companies to handle mortgage registration and other work;

Customers want more loans, and the lower the interest rate, the better. It is difficult for banks to find a way for their customers. Guarantee companies will strive for customers to the greatest extent with their familiarity with loan policies and their own loan products;

4. The loan processing time is long. Based on the familiarity with the process and relevant departments, the guarantee company can control the processing rhythm and reduce the processing time.

Third, why do you need a guarantor to mortgage the house to the bank?

1. Whether the mortgage loan of real estate needs a guarantor depends on whether the loan amount exceeds the amount of real estate. If it exceeds the amount that needs supplementary guarantee, it can be mortgaged with real estate under normal circumstances. 2. Joint and several liability, that is, if your friend fails to repay the loan when due, the bank can directly recover from you, and you can be directly listed as the defendant in the lawsuit. 3. The conditions of the guarantor, that is, whether it has a certain solvency, are also to be measured. Of course, you must be a person with full capacity for civil conduct, a local resident, etc. 4. Whether other banks need guarantees shall be subject to the statement in 1. Whether they need a guarantee or not is based on the security of the loan. Generally, loans from state-owned enterprises are issued without guarantee. As a guarantor, it won't affect the mortgage of your property in the future, but if your friend can't repay the loan on time, it will have a greater impact on you, and the guarantee problem should be considered. I have solved many such cases, but my friend can't, and finally I have to pay my friend's debts.

4. Why do you need a guarantor to mortgage the house to the bank?

Property mortgage generally does not need a guarantor, because the mortgaged house is the best collateral. As long as the lender has sufficient repayment ability, it usually needs a guarantor for two reasons:

1, the loan credit or income is poor, and the bank may require the lender to find a guarantor.

2. The amount of mortgage cannot cover the discounted loan amount, and a guarantee is needed. For example, if a loan of 100 can be converted into a loan of 120000, there is no need for a guarantor. If you don't give an example of the house value, the loan is 6,543.8+0,000, and the house value is 6,543.8+0,000. If the bank wants to discount, it can only lend you 600 thousand, leaving a gap of 400 thousand. At this time, a guarantor is needed.

Banks with a large amount of funds will generally require lenders to provide mortgage loans, and the houses will be mortgaged to banks to obtain loan quotas.

Does the mortgage need a guarantor?

Generally, no guarantor is needed. As long as the lender and the mortgaged house meet the requirements of the bank, the loan can be successful. However, if the lender's qualification is not enough or the value of the mortgaged house is not high, the bank can ask the guarantor, and the lender has the obligation to bear the later period.

Housing mortgage loan conditions:

1 The lender proves that the mortgaged house must have clear property rights.

The borrower has the right to complete the disposal and can register the mortgage.

The mortgagor must use the full value of the mortgaged house for mortgage loan.

The lender has a stable job, good income and the ability to repay on time.

The lender has a good reputation and no record of overdue repayment.

The house can be legally listed and traded, which is easy to realize.

Other relevant conditions required by the bank.