Second, how to calculate the mortgage deposit?
Mortgage deposit is the money that the bank collects from the developer according to a certain proportion of the total loan in the process of mortgage loan, and bears the joint guarantee responsibility of mortgage loan. The bank will not return the mortgage deposit to the developer before the real estate license is completed and the mortgage registration is completed.
detailed description
Bank mortgage margin guarantee is widespread in the banking industry. The usual practice is that banks and real estate development enterprises (hereinafter referred to as developers) sign the Individual Housing Loan Project Cooperation Agreement and the Individual Housing Guarantee Loan Contract. It is stipulated in the contract that banks provide housing mortgage loans to property buyers who develop real estate for developers, and developers open special deposit accounts in banks to provide deposits received according to a certain proportion of the loan balance to provide guarantees for the bank's mortgage loans. After the borrower obtains the real estate license and completes the mortgage registration formalities with the bank as the mortgagee, the bank will return the corresponding deposit in the deposit account to the developer. During this period, if the borrower fails to repay the principal and interest on schedule as agreed in the contract, the developer will repay it on his behalf, and the bank has the right to directly deduct the relevant funds from the deposit account.
When issuing loans, banks often require borrowing enterprises or guarantee enterprises to provide a certain amount of deposit, ranging from 5% to 20%. This kind of deposit is generally paid into the special account opened by the enterprise (borrowing enterprise or guarantee enterprise) in the bank. The money belongs to the enterprise, but the enterprise cannot use it. Only when the corresponding loan is repaid on time can this deposit be returned to the provider. Of course, banks sometimes pay the corresponding deposit interest at the same time.
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Three, how to calculate the bank loan guarantee deposit
The national policy is that 10% of deposits are guarantee companies. But now most guarantee companies have passed on their responsibilities, which are directly borne by lenders, which invisibly increases the financing cost of lenders.
Four, how to calculate the bank loan guarantee deposit?
The national policy is 10% deposit, which is not issued by the lender but by the guarantee company. But now most guarantee companies have passed on their own responsibilities, which are directly borne by lenders, which invisibly increases the financing cost of lenders.