At present, there are many credit products owned by banks and financial institutions, and the most popular one is credit loan, which is simple and convenient with low threshold. However, for users with poor credit or seeking large loans, mortgage loan is often more suitable for them. So what are the types of mortgage loans? Today, I will introduce a few models, and eligible friends can learn about them.
I. Personal housing loans
Users who have a house tomorrow can choose this way to apply for commercial housing loans from banks. This is a self-operated loan issued by bank credit funds. It refers to a natural person with full capacity for civil conduct. When buying owner-occupied houses in cities and towns in this city, the property houses purchased by them are used as collateral.
The housing provident fund loan applied to the bank is an entrusted loan issued by the policy housing provident fund, which means that when employees who pay the housing provident fund buy, build, decorate or overhaul their own houses in cities and towns in this city, they use their own property houses as collateral.
Second, the enterprise mortgage loan
The object of enterprise mortgage loan is all kinds of small and medium-sized enterprise customers registered in industry and commerce. The company has been registered and operated for 1 years, and the turnover of a company recently reached more than 3 million. It is in good operating condition. Generally, the time of mortgage loan is between one and five years, and it is often necessary to provide qualified mortgage collateral.
Three. Trust mortgage loan
Mortgage trust loan means that the trustee accepts the entrustment of the principal and pays the funds deposited by the principal according to the object, purpose, term, interest rate and amount stipulated in the trust plan. The financing party takes the real estate mortgage as the guarantee method of the trust loan. Under normal circumstances, the annual interest rate is about 80% plus the handling fee.
What is a mortgage loan?
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc.
Chinese name: mortgage loan
Mbth: mortgage loan
Collateral: marketable securities, China bonds and various stocks.
Law: Urban Real Estate Management Law
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. [ 1]
What does mortgage mean?
Mortgage refers to the written agreement between the mortgagor and the mortgagee (creditor) not to transfer the possession of the mortgaged property and take the property as the creditor's right guarantee. When the debtor fails to perform the debt, the creditor has the right to discount the property or give priority to compensation with the price of auction or sale of the property according to law. Mortgage loans are mainly divided into the following categories:
1, real estate mortgage
Refers to the mortgage set with real estate as collateral. The so-called real estate refers to the property that cannot be moved or will lose its original value or use value after being moved, such as land (in China, it is limited to the right to use construction land and the contracted management right of mortgaged land), buildings and other land attachments (such as houses).
2. Chattel mortgage
Refers to the mortgage set with movable property as collateral. Movable property refers to property that can be moved without affecting its use value or reducing its value (in China, it is limited to special movable property such as transportation).
3. Mortgage of rights
Refers to the mortgage with various property rights stipulated by law as collateral. According to the current laws of China, rights can only be used for pledge.
4, consortium mortgage
Also known as enterprise mortgage, it refers to the mortgage made by the mortgagor (enterprise) with all his movable property, real estate and rights as the mortgage target; This type is actually a variety of guarantee types, rather than a legal mortgage method.
5. Joint mortgage
Also known as blanket mortgage, it refers to the mortgage set on several different properties with the same creditor's right as the guarantee. This type is actually a variety of guarantee types, not a legal mortgage method.
6. Maximum mortgage loan
It means that the mortgagor and the mortgagee agree to guarantee the creditor's rights that occur continuously in a certain period with collateral within the maximum limit.
Extended data
Before buying a second-hand house, you must verify the nature, ownership and institutional authorization of the house. Regarding the nature and ownership of the house, the buyer can handle it according to the situation after inquiring about the property information: don't buy the house that has been sealed up and can't be traded, pay attention to the obligation of good faith when buying ordinary commercial housing, and sign the contract carefully for the house with multiple mortgages.
The seller should also be honest and law-abiding, and truthfully inform the relevant information such as house ownership, mortgage and purchase qualification before signing the contract; After the contract is signed, it should be performed in a timely manner to prevent high litigation costs and serious consequences that may be caused by breach of contract.
For a long time, due to the lack of collateral, it is difficult for farmers to obtain loans from banks. Faced with the difficulties of farmers' loans and the shortage of effective collateral, from 2065438 to March 2006, the People's Bank of China promulgated two documents, namely, the Interim Measures for the Pilot Project of Mortgage Loan for Rural Contracted Land Management Rights and the Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights.
In the report of the 19th National Congress of the Communist Party of China, it is pointed out that the modern agricultural industrial system, production system and management system should be built, the agricultural support and protection system should be improved, various forms of moderate scale operation should be developed, new agricultural management entities should be cultivated, and the agricultural socialized service system should be improved to realize the organic connection between small farmers and modern agricultural development.