Under strict supervision, it is not easy to go to the bank to make a mortgage loan. What should I do if I need money urgently? Someone thought of pawnshops.
"I want to buy another house, but I can't open it. Bank loans are a bit troublesome. Later, after being introduced by a friend, I learned that the pawnshop could provide funds, so I mortgaged the house and collected money to go to the bank to freeze funds and participate in the lottery. " Not long ago, the hot plate "Rongtian" drove thousands of people to shake the number. Mr. Wang, who lives in the west of the city, couldn't sit still and went to "try his luck". According to Mr. Wang, although the interest rate of pawn is a bit high, many people still raise money in this way. The reporter visited and found that there are many people who use pawn shops, loan intermediaries and other means to turn around, but it also contains huge risks.
The inability to obtain credit information does not affect the mortgage of buying a house.
Pawnshops and other non-bank institutions take the opportunity to attract customers.
Mr. Luo and his wife now have an 89-square-meter wedding room, and the family of two will soon become a family of three. Improving housing is the main goal of this family in the last six months. Mr. Luo intends to collect money and shake the number first. "If you shake the number, go to the house mortgage loan, pay the down payment for the new house first, and then slowly sell the house to repay the loan."
Mr. Luo is familiar with the market. "Bank mortgage loans are mainly operating loans. There is no enterprise under my name, which does not meet the requirements, but some financial institutions other than banks can still operate. " He contacted a financial company of a second-hand housing agency. "The information is complete. After signing the contract for 3 days, the monthly interest rate is 1 minute, and the handling fee for half a year is 1%. The interest rate is not cheap, but I only borrow it for a short time. The advantage is that I have no credit information. "
It is understood that some pawn shops also have real estate mortgage business. The reporter visited and found that this part of the business is still relatively hot. An employee of a pawnshop told reporters that they are now "picking" customers and focusing on evaluating their repayment ability. "Our interest rate is higher than that of banks, lending is faster than banks, and the process is formal."
Xiao Wu, a staff member of another pawnshop, told the reporter that the monthly interest rate 1.5% started in one month. Less than a month, according to a month. If it is more than one month, it shall be counted as five days. The process is simple. The property must have no loans and clear property rights. Generally, it is 65% off the market price. Need to show real estate license, ID card, household registration book, marriage certificate, etc. From evaluation to lending, two or three days is enough. Regarding the whereabouts after the loan, "it is definitely not illegal, like buying a house, we don't care."
High interest rates and high risks
Experts remind customers not to "lose big because of small things"
Mr. Jin, the head of a financial service company that has just been established for one year, told reporters that their company's main business in 20 17 was credit loans, but this year it mainly focused on housing mortgage loans.
"We are actually a lending institution. The basic information of customers is coming, so let's match the bank conditions first; If it does not meet, the second file is to recommend other financial companies. " Mr. Jin said, "The interest rate of bank mortgage loans is 5%-7%, and the annualized interest rate of finance companies is 8%- 13%." Of course, their company also charges a certain service fee, "generally a one-time charge 1%-3%".
Xiao Yang, the salesman of this financial company contacted by Mr. Luo, also said that the source of loan funds is the self-owned funds of banks and institutions. "Banks can only do mortgage business. At present, the annualized interest rate is around 6.26%, and we charge a handling fee of 2% a year. " Xiao Yang said that the bank mortgage loan "credit investigation at the meeting" affected the subsequent mortgage. "If you use your own funds to borrow and mortgage in the name of an individual, the monthly interest will be one point, and the half-year handling fee will be 1%- 1.5%. If there is a company, in the name of working capital, the monthly interest rate can be cheaper, 9% 3, no credit. " How to judge a company, Xiao Yang said, just take a copy of the business license.
Is it legal to buy a house or operate with the funds of a pawnshop or a non-bank financial institution? Jiang Han, a special researcher at Suning Financial Research Institute, said that compliance is difficult to define. "At present, there are many cases of scratching the ball. After the intervention of the China Banking Regulatory Commission, supervision will be strengthened and the entry and exit of funds should be more and more standardized. " The industry believes that the future "house-to-house" situation will be further standardized and managed.
The reporter learned that at the moment when illegal funds are strictly prohibited from flowing into the property market, many people use this method to raise funds, and the risk is self-evident: "First, the down payment will increase leverage, and second, the interest rate will be high. Once the house price falls or the repayment pressure is too high, there will be a' default', which will seriously affect financial stability. " Jiang Yan believes.
Small and micro enterprises "financing difficulties"
You can try a bank loan.
Why is the housing mortgage loan business of financial companies so hot? The big reason is that under the condition of tightening policy, the bank's housing mortgage loan is very strict in reviewing the requirements for business purposes.
A city commercial bank on Chun Qing Road has developed an online application product for housing mortgage loan, which can be directly applied through mobile app, with a maximum of 5 million yuan and three results. However, the materials to be provided include business certificate, use certificate, enterprise running water, etc.
At another city commercial bank located in Qianjiang New City, the account manager said that they only used the mortgage loan as their business purpose. "The scope of collateral is also relatively wide, including residential and commercial buildings. The annualized interest rate is about 6%, and the maximum loan is100,000 yuan, but more than 500,000 yuan must be entrusted. " However, this bank also needs customers to provide business certificates, use certificates, enterprise running water and other materials.
(Source: qianjiang evening news)
Why do some people say that mortgage is a scam?
1, default risk
Even if the mortgagee is a bank, there are default risks for the borrower to handle the real estate mortgage loan, including compulsory default and rational default. Compulsory breach of contract refers to the borrower's forced breach of contract due to his own reasons and insufficient ability to pay, which shows that the borrower is willing to repay, but unable to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only make a decision whether to breach the contract by comparing the unique rights and interests in his house with the size of mortgage debt.
2. Liquidity risk
There are certain risks in real estate mortgage loan, including liquidity risk, which refers to the risk that short-term funds and long-term loans are difficult to realize. Nowadays, the liquidity risk of real estate mortgage loan is reflected in the fact that housing loans in China mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans.
3. Business cycle risk
Economic cycle risk is relatively rare, which refers to the risk caused by periodic fluctuations in the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the economic cycle.
4. Interest rate risk
As we all know, interest rate risk refers to the risk brought by the change of loan interest rate level to the value of bank assets. Interest rate risk is determined by the capital structure of its short-term deposit and long-term loan business, and the fluctuation of interest rate will bring losses to banks whether it rises or falls. If the interest rate rises, the interest rate of housing mortgage loans will also increase, which may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater the impact, thus increasing the risk of default.
What routines should be paid attention to in housing mortgage loan?
First, don't trust unreliable financial projects.
"Use the money from the mortgage house to buy collectibles. In a few months, the market will be booming, and we will triple. When the house is released, you can earn millions by sitting at home. " Mortgage the house, participate in this health care product project, eat health care products for free for life, and give you 3000 yuan interest every month. Take part in our house-to-house pension project, mortgage the house, live in your own house, and earn 5000 yuan a month.
Don't be fooled by dazzling investment and wealth management products and mortgage the house. Once the capital chain of these companies breaks, you can't repay the principal and interest of the house loan, and your property will be taken away by the small loan company.
Second, don't sign a blank contract.
"You sign first, I go back to fill in the contract. They are all routine operations, no risk, don't worry. " Don't trust the salesmen of wealth management companies and small loan companies easily. If a loan contract is signed, it is not a verbal agreement that "the mortgage loan will arrive at any time and interest will be paid every month".
The salesman will write "the loan term is one month" on the blank contract. A month later, the small loan company will determine that it is in arrears with the repayment of the principal and start to deal with the real estate. Therefore, when signing the contract, you must read it page by page, fill in the contents and confirm it before signing.
Third, carefully sign the notarized documents.
"When you arrive at the notary office, it is a public place. This place can't deceive people." If you have this mentality, you are all wet. Liars who implement "routine loans" can take advantage of people's inattention. When you arrive at the notary office, you have to identify what kind of agreement and contract you signed.
Perhaps the notarial certificate is a power of attorney authorizing others to sell the house, and others can sell your house without knowing it. In addition, we must pay attention to the opinions of notaries. If you don't understand or understand, ask in time. When you get to the notary office, you can't be pushed around. You must pull yourself together.
Fourth, be careful when you arrive at the real estate trading center.
In the real estate trading center, the salesman of the small loan company asked him to sign the house transfer formalities without reading the agreement or the documents for handling the business. He blindly listened to the deception of the salesman of the small loan company that it was nothing but routine registration, thinking that it was mortgaged property, but if he was not careful, the property could be registered in someone else's name.
When you arrive at the housing transaction center, you should also pay attention to the signed contracts and business documents. Don't blindly listen to the arrangement of the salesman of the small loan company. The house can be given away to others with a stroke of the pen.
Fifth, choose formal financial institutions to mortgage real estate.
Mortgaging real estate is a normal economic activity, so we must be cautious when selecting loan companies. Small loan companies that specialize in "incurable diseases" housing mortgage loans seem to be able to solve the urgent needs, but while putting money in their pockets, they also bring risks to themselves.
When mortgaging housing loans, you must choose legal and formal financial institutions such as banks. Once you find yourself beheaded, maliciously dunned, and "missing", you must doubt whether you have fallen into the scam of "routine loan". When this happens, you should call the police to stop the loss at the first time to prevent the house from being sold maliciously.