In terms of loan products, mortgage loan will also belong to a more traditional loan method, especially housing mortgage loan will exist for a long time, and almost all banks are carrying out this business, but different banks will have slightly different requirements when handling housing mortgage loans, and the speed of lending is also different. General banks will also stipulate the time for handling mortgage loans. "The borrower can get a loan within 15-20 working days after submitting complete application materials, such as work certificate, income certificate, real estate license, etc., and passing the examination of personal qualification and mortgaged house." When banks apply for mortgage loans, they also need to conduct a qualification audit, which will also involve real estate assessment, mortgage registration and other operational processes, so the general lending speed will be relatively slow. It is also difficult for banks to handle loans quickly to meet the needs of users who are in urgent need of funds, so they can also find other ways of mortgage loans. Lenders can also make bank loans through guarantee companies, which will greatly simplify the approval process of your loans. As long as the mortgaged property can be recognized, you can get a loan. However, this method is also risky, and it will also be a relatively high cost. The required lenders are also carefully considered. In addition to these two ways, the Internet financial platform will also be a very good choice. In the past two years, the development momentum of internet finance has also been very rapid, and the products provided by loans have become increasingly rich. The mortgage of real estate can also be completed through the financial platform of the Internet. Compared with the bank's mortgage loan, many people now choose the internet lending platform for mortgage loan. The application conditions are very simple, the approval process is much simpler than that of the bank, and the loan time can generally reach one day at the earliest.
Which company is better for real estate mortgage loan?
Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.
1, Beijing real estate mortgage loan platform
Beijing Loan Guarantee Platform was established in accordance with the law on 20 10, located in Chaoyang District, Beijing. The platform adheres to the business philosophy of "legality, safety, professionalism and efficiency", fully draws on professional financial service concepts and technologies, and combines the domestic market demand for multi-channel financing and loan guarantee, specializing in loan guarantee services.
2. Fast Loan Network
Fast loan network was founded by well-known domestic entrepreneurs and financial industry veterans. Adhering to the tenet of "what customers think, what we think", relying on the advanced financial system platform, perfect service network and professional management team, the company adopts the concept of efficient and high-speed service, which has been highly recognized by customers from all walks of life.
3. Loan service platform
The loan service platform belongs to Guangzhou Lending Information Technology Co., Ltd., which was established in June 2065438+2007. It is a loan service organization specializing in the field of asset mortgage. The loan has reached a long-term strategic cooperative relationship with a number of financial institutions and funders; It mainly provides loan financing services of more than 6,543,800 yuan for loan customers, including personal mortgage loans, large-scale enterprise mortgage loans, and advance loans.
4. Huahan Finance
Huahanfang, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loan, real estate secondary mortgage, mortgage re-mortgage loan, mortgage-to-mortgage loan, real estate transaction loan, sealed house loan, etc.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. has a registered capital of 50 million yuan. With rich background resources and strength, and the service concept of "customer-centered, honesty-oriented", it has established a brand recognized, satisfied and loyal by consumers and developed into a unique professional financial service institution.
What mortgage platform is there online?
Micro-loan network APP. Apart from Bank of Communications and Bank of China, there are few real estate mortgage loans. Most other banks can provide mortgage loans, such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Chongqing Rural Commercial Bank and China Postal Savings Bank. However, major banks have different requirements on the conditions, execution interest rate and loan life of real estate mortgage loans, so they should consider their own suitable loan varieties and repayment pressure when choosing loans. Mao Sen Guarantee is an institution that cooperates directly with banks.
1. Microfinance Network
Micro-loan online was launched in July of 20 1 1, and it is one of the earliest online lending platforms in China. At first, the platform model was similar to auction loan (pure online credit loan), and later it turned to chattel mortgage loan, and expanded the service network by joining offline. Last year, the micro-loan network launched the "Five-year Hundred Stores" plan, and strived to open 100 offline outlets nationwide by 20 17. At present, this goal has been achieved by about 30%.
2. Good car loan Car loan is an investment and financing financial service platform that provides mortgage, pledge loan and car loan financing services for car owners. The online platform was established on 20 14. Although it belongs to a young platform, the professional strength of good car loans cannot be underestimated. 20 15 is invested by Shenzhen qianhai zhongdaxin asset management co., ltd.10 million USD, which is one of the top 100 brands of internet finance. At present, the main products are good car loans, financial links, bank-enterprise links, rental treasures and so on. The investment amount of good car loan project is very small, which is very suitable for small and medium investors.
3. Worry-free car loan Worry-free car loan is an innovative Internet car finance platform independently developed and operated on the basis of worry-free original car loan business in the future. Relying on the model of "Internet financial car", we are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform, providing investors with low-risk and high-return investment products and creating value for every penny; Provide low-cost and efficient financing services for those who need funds, so that microfinance is no longer difficult.
What are the platforms in automobile mortgage?
1.58 car loan APP: 58 car loan APP is a P2P lending platform in automobile mortgage. 58 Car loan adopts cautious and professional evaluation method, unique comprehensive credit evaluation system and powerful risk control means, and the accumulated loan amount exceeds 50 million yuan to maintain zero non-performing rate.
2. Car second loan APP: Car second loan APP is a car loan APP launched by Ali. The car second loan APP allows car buyers to submit loan applications online on their mobile phones, and the credit line of the loan can be known within half an hour.
3. the first car loan APP: car loan number. 1 is an auto loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd., which is aimed at users with loan needs who obtain credit from their company and provide intermediary services. Investors can invest through the mobile phone client and enjoy the fun brought by investment and financial management anytime and anywhere.
4. Bee Easy Car Loan APP: Bee Easy Car Loan is the leading p2p lending platform in China, providing users with fast and high-quality financial services and helping quality life. The loan is fast, saves money and effort, and is privately customized, safe and reliable.
5. Yixin car loan APP: Yixin car loan mainly provides new car loans, used car loans, car owner loans, car rental, auto insurance and other products and services. In addition to cooperating with many financial institutions, it also has CreditEase's self-operated business, providing a wealth of auto finance products and services.
6. Cheyi Loan APP: Cheyi Loan focuses on auto loans. For investors, car loan business is a safe lending business, which has the characteristics of small amount, dispersion, mortgage and quick realization. Through a mature business model and a perfect market,
What are the requirements for applying for a mortgage loan on the fast loan network?
1, a natural person with China nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank;
What are the websites of personal real estate inquiry system? How to handle personal housing mortgage loan?
Speaking of all kinds of websites around us, everyone should know. In fact, everyone should know the common sense of real estate, and everyone should have a certain understanding of personal real estate. What are the websites of the personal real estate inquiry system that everyone should know? How to handle personal housing mortgage loan?
Speaking of all kinds of websites around us, everyone should know. In fact, everyone should know the common sense of real estate, and everyone should have a certain understanding of personal real estate. Everyone should know all kinds of common sense of real estate. In order to let everyone make rational use of the real estate, we should grasp it well. Next, what are the websites of the personal property inquiry system? How to handle personal housing mortgage loan?
What are the websites of personal real estate inquiry system?
All parties to the house property right can bring their own identification information (notarized power of attorney is required for others to inquire) and apply for inquiry in the lobby of the Housing Authority by using the microcomputer system. At present, housing property rights are basically registered by electronic files. All parties involved in housing property rights can bring their own identification information (notarized power of attorney is required for others to inquire) and inquire in the archives of the Housing Authority. In recent years, due to the replacement process of real estate licenses, some old real estate licenses need to find the original registration files.
All parties to house property rights can bring their own identification information (notarized power of attorney is required for others to inquire) to the mortgage registration section of the Housing Authority, and the property registered with mortgage loan must be inquired here, otherwise, mortgage loan and mortgage loan must be registered here.
How to handle personal housing mortgage loan?
1, mortgage loan age 18-55 years old (some institutions can accept children or the elderly); The general mortgage loan amount is 50 ~ 70% of the real estate appraisal price (some banks may increase it); The term of housing mortgage loan is generally 1 year-10 year (a few banks can provide quality customers for up to 30 years, but the borrower cannot be over 60 years old after the loan is completed);
2. Personal housing mortgage loans with a house age of less than 20 years (a few banks can do it within 30 years, and most of them are easier to approve when they have spare houses); The loan interest rate of mortgage loan is generally10%-20%; There is a certain source of repayment (the effective proof is mainly bank flow, and the monthly effective income is more than twice the monthly repayment amount of housing mortgage loan); Personal or corporate credit is good (less, otherwise the bank may find an excuse to raise interest or not allocate funds); At present, the types of real estate that banks can accept are commercial housing, houses, shops, mortgage houses, second mortgages, serviced apartments, office buildings and so on.
3. Other supporting materials of personal housing mortgage loan (provide more proof of assets. Personal repayment ability is an important factor in handling real estate mortgage loans, so if you can provide assets certificates similar to other real estate, vehicles, securities and companies, you can greatly increase the amount of bank real estate mortgage loans.
What are the websites of personal real estate inquiry system? How to handle personal housing mortgage loan? Everyone knows the situation in real estate, and everyone knows the specific problems. Everyone should know about personal real estate. Of course, real estate mortgage is more common in life. Everyone must be careful about the situation in the real estate, so that everyone can know the situation of their own real estate.