1. mortgage loan as loan guarantee
If the borrower has real estate, he can choose to use personal housing as collateral to guarantee the loan. The appraised value of the real estate will not be low, which will help to increase the borrower's loan amount.
If the lender takes the purchased house as collateral, there is no need to evaluate the collateral, which can save the borrower an evaluation fee; If the lender takes the house with its own property rights as collateral, the collateral needs to be evaluated by an evaluation agency designated by the bank, and the mortgagor needs to pay the evaluation fee.
Where the house is used as the loan guarantee, the borrower and the borrower shall go through the mortgage registration formalities with the real estate management authority in accordance with the provisions of relevant laws and regulations, and the mortgage registration fee shall be borne by the borrower. In addition, the borrower also needs to purchase collateral property insurance and loan guarantee insurance from an insurance company recognized by the loan bank according to regulations, with the insurance amount not less than the total loan principal and interest, and the insurance expenses shall be borne by the borrower.
Therefore, the borrower has to pay the mortgage registration fee, insurance fee and mortgage evaluation fee. If the borrower is well-off, you can consider this method.
Two. Pledge of rights as loan guarantee
In addition to real estate and cars, banks can also accept specific securities and certificates of deposit as collateral, including government bonds, financial bonds and corporate bonds recognized by banks. Certificates of deposit refer to RMB time certificates of deposit.
When the borrower applies for a pledged loan, the amount contained in the pledge right certificate must exceed the loan amount, at least 10% of the loan amount.
All kinds of bonds must be authentic and valid before they can be used for pledge. The certificate of deposit must have the identity certificate of the opening bank and the certificate of exemption from loss reporting. When signing a loan pledge contract with the bank, the borrower shall hand over the securities, certificates of deposit and other pledges to the loan bank for safekeeping, and the bank shall assume the custody responsibility.
Generally speaking, the choice of pledge loan guarantee requires families to have sufficient financial assets, which can fully meet the housing consumption demand, but it will bring some losses if it is difficult to achieve it for a while or after it is realized.
Third, the loan guarantee is guaranteed by a third party.
This personal housing loan guarantee method requires the borrower to provide a guarantor recognized by the loan bank. According to the regulations of the loan bank, the guarantor must be an enterprise legal person, provide loan guarantee for the borrower, and be an irrevocable joint liability guarantee.
The borrower shall provide a copy of the business license of a third-party legal person. The third-party legal person must be independent in accounting, be responsible for its own profits and losses, have a sound management organization and financial management system, have an enterprise credit rating equivalent to AA or above, open an account with a loan bank, and have no major disputes over creditor's rights and debts, otherwise neither party can be a third party.
Extended data:
The process of loan guarantee:
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time collects guarantee fees from enterprises.
6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can be prepared to repay the loan in advance and ensure the normal operation of the enterprise's capital flow.
8. Dissolution: cancellation of mortgage registration, cancellation of guarantee relationship with banks and enterprises with corporate bank repayment form.
9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees.
10. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future file search.
References:
Loan Guarantee _ Baidu Encyclopedia