Audit links related to bank loans:
1, view the property values.
The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions.
The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.
2. Review the borrower's ability
Secondly, for the loan applicants themselves, income sources, family status, social background, credit records, etc. are all objects that banks need to review.
3. Second-hand houses need guarantee from guarantee companies.
If it is a second-hand housing transaction, the participation of guarantee companies is essential, and a formal professional guarantee company with good qualifications will bring more guarantee for the success of loans to buyers.
Extended data:
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that at the end of 20 10, the mortgage utilization rate has reached a high level in major first-tier cities in China, and the proportion of mortgage loans for house purchase has reached more than 70%.
Moreover, in recent years, more and more residents have used their own names or relatives' properties to apply for real estate mortgage loans to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.
Classification of mortgage loans: housing loans, self-operated loans and portfolio loans.
Baidu encyclopedia-mortgage
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