Mortgage loan refers to the loan business through mortgage. For example, housing mortgage loan is a personal housing loan business, in which buyers use the purchased housing as collateral and the real estate enterprises that purchase housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property right of the house to the mortgagor. After the mortgagor pays off the loan, the beneficiary immediately transfers the property right of the house to the mortgagor, and the mortgagor enjoys the right to use in this process.
Mortgage refers to the written agreement between the mortgagor and the creditor, which stipulates that the mortgaged property shall not be transferred, and the mortgaged property shall be used as the guarantee of the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount or auction or sell the property to get priority compensation.
After confirming that the property selected by the buyer has obtained the mortgage support from the bank, the buyer should know the bank's regulations on applying for mortgage support from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form. After the signing of the house purchase contract, the certificate obtained pays the house price, and the buyer marks the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan stipulated by the bank in the mortgage contract between the house developer and the bank. Loans are simply understood as loans that require interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds under certain interest rates and repayment conditions. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. Through loans and monetary funds, banks can meet the needs of society to expand reproduction and supplement funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover loans within a specified period of time or quickly realize loans without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Interest is the basis of bank's continuous operation.
For example, if long-term loans are issued, the interest rate will be higher than that of short-term loans, and the income will be good. However, the longer the loan term, the greater the risk, the lower the security and the weaker the liquidity. Therefore, the "three natures" should be harmonious to ensure that there is no problem with the loan.