About 1%-3% of the loan amount.
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
Second, how about the Houze guarantee?
Reliable, I have cooperated many times. I'm a real estate agent. Customers with loan needs are recommended to do this for Houze. This is an old-fashioned loan guarantee company, registered on July 2, 2003, and the largest in Beijing. Housing mortgage loan, personal real estate mortgage loan, personal business loan, personal credit loan, transaction to mortgage, short-term, housing transaction bridge (but Houze guarantees not to do credit card business,
3. How much does it cost to find a guarantee company for mortgage loan?
About 1%-3% of the loan amount.
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer can guarantee a smooth mortgage loan;
3. Apply for mortgage loan;
4. The buyer meets the mortgage loan. The buyer agrees to the loan notice or mortgage.
5, property buyers can sign the "sales contract" with the developer or its agent;
6. Confirm the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan;
7. Apply for mortgage registration and insurance. Under normal circumstances, because the mortgage loan period is relatively long, banks require buyers to apply for life insurance.
8. Open a special repayment account.
9. Handle the bank supervision account opened by the relevant developer in the bank as a property buyer.
10. The borrower repays the loan regularly according to the contract.
Fourth, the mortgage cannot be approved. Can I find a guarantee company? How much does it cost to find a guarantee company?
Most ordinary people want to buy a house, and they can't get around the topic of mortgage. In recent years, although the country has introduced many mortgage policies to crack down on real estate speculators, house prices have never dropped. A friend consulted, and the mortgage could not be approved. Can I find a guarantee company? How much does it cost to find a guarantee company?
The mortgage can't be approved. Can I find a guarantee company? In practice, when many lenders apply for mortgages in banks, they look for guarantee companies because of their poor personal credit information. At the initial stage, the bank did not recognize the loan from the guarantee company. However, with the development of the market, there are many formal guarantee companies on the market, and they have long-term cooperation with banks. If the lender's application for mortgage in the bank is rejected, he can choose to find a loan from a guarantee company. With the implementation of the new mortgage policy, banks have increasingly strict requirements for the qualifications of lenders, and many users were rejected on 202 1. At this time, the guarantee company is a good choice, but the guarantee company will not guarantee everyone. If the lender's mortgage is rejected because the bank has insufficient running water, the monthly income is less than twice the monthly payment, and the credit debt is too high, then the guarantee company will still be willing to guarantee the loan. If it is because the lender has a serious bad record of credit information, the guarantee company will not agree to provide guarantee for the lender in view of the risks. How much does it cost to find a guarantee company? Guarantee companies need to charge a certain fee when providing guarantees for lenders. In general, the lender needs to pay 3% of the loan amount to the guarantee company as the formalities fee. The above is the related content of "Can you find a guarantee company if the mortgage cannot be approved?". I hope it will help everyone!