Hello, this is not illegal. You can look at the loan contract to see if you need more than 3000 yuan. If there is an agreement on this and you accept it, this is a reasonable behavior.
Where can I find a mortgage agent?
There are four main channels for mortgage loans:
I. Banks
At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property cannot be used for mortgage loans, which needs attention.
Second, the loan company
Although banks can handle housing mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is likely to be rejected by the bank. At this time, you can consider the loan company.
3. Pawnshop
In addition to loan companies, pawn shops have also launched mortgage loans. The loan conditions are looser than those of the loan company, and there are almost no requirements for the borrower's income, work and credit. As long as the property provided by the borrower meets the requirements and the procedures are complete, you can get the loan money.
Four. bonding company
In addition to the above three ways, the guarantee company is also possible, but the borrower needs to pay a certain guarantee fee and apply for a loan through the guarantee company.
I believe many friends don't know which bank or institution to choose when they borrow money. Which one should they choose when making mortgage loans? First distinguish between mortgage banks and non-bank institutions, so that you can make a choice. The difference between mortgage banks and non-bank institutions;
First, the application threshold.
Bank mortgage loans not only consider whether the mortgaged house is liquid, but also have strict requirements on personal qualifications, and only when the funds are safely recovered will they be approved. Therefore, it is difficult for users who have no stable jobs or have a bad reputation to get a bank loan pass.
On the contrary, non-bank financial institutions, as a supplement to banks, make up for the lack of banking services. As long as the mortgage house provided by the bank can be listed and traded, the approval is easy to pass. Based on this, many people who have no stable jobs or personal credit concerns are eager to try when they meet non-bank institutions, just like seeing a savior.
Two. Loan speed
The approval process of non-bank financial institutions is very fast, and it is quite normal to lend money within 3 days after approval. Banks, on the other hand, are rigorous in tone and meticulous in style, and lending within 15-20 working days is their main theme. Therefore, users who are in urgent need of money naturally look to non-bank financial institutions.
Three. amount of loan
In terms of loan amount, the two types of institutions can be described as equal, and the maximum loan amount is 70% of the appraised value of the mortgaged house.
Four. Loan expenses
In the lending market where risks and benefits complement each other, relaxing the application conditions will inevitably mean taking some bad debt risks. In order to balance risks and benefits, high fees naturally become an understandable measure for non-bank financial institutions. On the contrary, in the case of strong risk control, banks naturally dare to throw out lower loan interest rates to attract users.
Mortgage intermediary charging standard
The agency fee of mortgage loan is calculated according to the percentage of the loan amount, generally ranging from 3% to 9% (some lending institutions also call it points, such as three points). As for the specific points, it depends on who applies for mortgage loans, loan amount, years and so on. There are many factors that affect agency fees. There is also a charging method of mortgage intermediary, which charges a fixed loan fee according to different loan products, generally ranging from 1000 to 5000.
Mortgage loan classification
Bank mortgage loan
I. Personal housing loans
1. Personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
Second, the enterprise mortgage loan
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.
Term of enterprise loan: generally 1-5 years.
Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.
Basic requirements:
1. Hold a loan card issued by the People's Bank of China, and have no bad credit record.
2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year.
The comprehensive interest rate and expenses are generally between 8%- 14%.
Trust mortgage loan
Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.
Real estate investment trust
RealEstateInvestmentTrusts, abbreviated as "REITs", literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid.
Pawnshop mortgage
Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.
Vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.
house property mortgage
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.
What should I pay attention to when applying for mortgage loan from a bank through an intermediary?
First of all, if you find an intermediary company to handle housing mortgage loans, the handling fee is very high, and many intermediary companies will raise the interest rate of mortgage loans, which may rise a lot on the basis of the benchmark interest rate.
Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. In most intermediary companies, the mortgage interest rate will rise by about 20%-30%.
Secondly, if you find an intermediary to handle mortgage loans and give your personal information, real estate license and entrustment certificate to the intermediary, the intermediary may use these materials to dispose of the house at will, and the safety will not be guaranteed.
Therefore, when choosing an intermediary company, everyone must be careful to be cheated.
How many years can a personal mortgage agent borrow?
Twenty years.
Intermediaries can benefit a lot from mortgage loans. Generally speaking, they charge 3% of the housing loan as a handling fee. If the loan is 6.5438+0.5 million yuan, then the handling fee is 45 thousand yuan. In addition, the loan interest rate will be different according to the loan term and the situation of different banks, and the difference is still relatively large. The longer the general life expectancy, the lower the interest rate. In most intermediary companies, the mortgage interest rate will rise by about 20%-30%. However, the cost of housing mortgage loans through intermediaries is still much lower than that of private lending.
Find an intermediary to handle mortgage loans. If you trust the intermediary too much, submit personal identity documents, household registration books, and entrusted notarization. For intermediaries, intermediaries can use these materials to pawn mortgage loans! The lender didn't know the house was pawned until he received a dunning call from the pawnshop. Moreover, the general redemption period is three to six months, which is a quick short-term financing behavior.
What should I pay attention to when looking for an intermediary with a house as a mortgage?
Using a house as a mortgage loan to find an intermediary should pay attention to the following points:
First, it should be clear that the time is the time for lending, not the time for approving loans. The time for approving loans and lending may be much worse.
Second, the cost of mortgage consumer loans is between 1.5 and 2 points. Including agency fees and third-party cash withdrawal fees. These must be written in the contract in advance.
Third, if the loan has been issued, the handling fee is required to be repaid in installments or the loan is issued at one time. This behavior is not the behavior of a liar. At present, many small loan companies in China will charge a certain fee and ask for later repayment.
Fourth, if the loan has not been issued yet and it is required to be repaid in advance, it must be a liar. Formal lending institutions will certainly not require borrowers to pay any fees before the loan is issued.
Extended data:
Requirements for mortgage loans:
I. Housing requirements
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there must be real estate licenses and land certificates issued by real estate departments and land management departments.
Two. Requirements of the lender
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.