If your bank doesn't have enough running water, you can find your parents as guarantors and give them the details of their income in the last three months to the bank.
The guarantor has the qualifications prescribed by law, that is, the conditions that meet the requirements:
1, enjoying political rights and unlimited personal freedom;
2. Have permanent residence and permanent residence in the local area;
3. Have the ability to fulfill the guarantee obligations.
4. There is no obvious record of breach of contract.
Extended data:
Special provisions:
First, legal persons, other organizations or citizens who have the ability to pay off debts on their behalf can act as guarantors. However, if a legal person, other organization or natural person who does not have full compensation capacity enters into a guarantee contract as a guarantor, the people's court will not support it.
Second, according to the relevant provisions of the General Principles of Civil Law, individual industrial and commercial households and rural contracted households are a special form of citizens. Therefore, citizens as guarantors can also be individual industrial and commercial households and rural contracted households.
Three, can be used as a guarantor, including: registered in accordance with the law to obtain a business license of wholly-owned enterprises, partnerships; A joint venture registered in accordance with the law and obtained a business license; Chinese-foreign contractual joint ventures registered according to law and obtaining business licenses; Social organizations approved and registered by the civil affairs department; Township, street and village-run enterprises that have been approved to register and obtain business licenses.
Fourth, if a branch of an enterprise as a legal person provides a guarantee without the written authorization of the legal person, the guarantee contract is invalid. If the functional department of an enterprise as a legal person provides a guarantee, the guarantee contract is invalid.
Fifth, public institutions and social organizations aiming at public welfare may not act as guarantors. If an institution or social organization engaged in business activities acts as a guarantor, the guarantee contract signed by it shall be deemed as valid if there are no other circumstances that lead to the invalidity of the guarantee contract.
Sixth, in the process of accepting loans from foreign governments or international economic organizations, state organs can act as guarantors with the approval of the State Council. In other cases, it is not allowed to be a guarantor.
The scope of guarantee includes the principal creditor's rights and interest, liquidated damages, damages and expenses for realizing creditor's rights. If there are other provisions in the guarantee contract, such provisions shall prevail.
Where the parties have not agreed on the scope of guarantee or the agreement is unclear, the guarantor shall be liable for all debts.
Can parents guarantee their son's loan? What are the procedures?
Parents can guarantee it, depending on the amount of your loan. If100000 or more requires civil servant guarantee,100000 or less is unnecessary. If the loan is fully repaid at maturity, the bank's rating will be one to three. If you are rated as a user with good credit, the next loan will be easy to handle. Procedures need their own and guarantor's ID card and copy, their own household registration book and marriage certificate. You can lend money without a guarantor next time.
Extended data:
Loan guarantee is the main business of credit guarantee institutions. Its main purpose is to alleviate the financing difficulties of enterprises, disperse the risks that may arise from bank lending and enterprise financing, and play a role in ensuring the safety of credit loans and promoting the development of enterprises. The main forms of loan guarantee:
1, working capital loan guarantee. Working capital loan is a loan issued to solve the problem of insufficient working capital in the production and operation of enterprises. This kind of loan is characterized by short loan term (within one year), strong liquidity and low financing cost, and it is the most commonly used loan for customers. The guarantee of working capital loan is called working capital loan guarantee.
2. Fixed assets loan guarantee. Enterprises need funds for purchasing machinery and equipment, technological transformation, land purchase and building, real estate development and capital construction investment, and apply for loans from banks to provide guarantees.
3. Bank bill discount guarantee: refers to the guarantee provided by the enterprise (holder) to obtain funds and transfer the bill rights to the bank before the commercial bill expires. There are mainly discount guarantees for bank acceptance bills and discount guarantees for commercial acceptance bills.
Running water is not enough. Can parents guarantee the mortgage? How long does it take to approve the mortgage?
The housing loan policy is very humanized. If the running water is not enough for parents to guarantee the mortgage, it means that the risk of overdue is reduced. Therefore, if the applicant's loan conditions are not enough, immediate family members can be used as a guarantee as an auxiliary condition.
The housing loan policy is very humanized. If the running water is not enough for parents to guarantee the mortgage, it means that the risk is reduced. Therefore, if the applicant's loan conditions are not enough, immediate family members can be used as collateral to become auxiliary conditions. How long does it usually take for a mortgage to be approved? If the conditions are good and the information is complete, it depends on which bank the application is submitted to. The loan requirements of different banks are slightly different and the time is different. Let's take a closer look at the relevant information.
Running water is not enough for mortgage. Can parents guarantee it?
When the applicant's salary is less than twice that of the mortgage, that is, it does not meet the conditions of the mortgage, parents can become guarantors. With the guarantor, the mortgage risk will be reduced, which will help to pass the mortgage review. Or you can directly make one of your parents a co-payer, so that the loan will be repaid by the lender himself and one of your parents. In addition, the user's salary is not enough, and it would be helpful if additional financial proof could be submitted.
How long does it usually take for a mortgage to be approved?
On the other hand, banks, as the main financial institutions that accept individual housing loans, actually have a clear time limit for their business processes. According to Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.
When the above-mentioned "three weeks" are applicable to all financial institutions, take ICBC as an example, and according to the Administrative Measures of Industrial and Commercial Bank of China for Personal Housing Loans (Article 8 of Industrial and Commercial Bank of China stipulates: after receiving the loan application and the materials that meet the requirements, the lender shall review it according to the regulations and give the borrower a reply within three weeks. To sum up, financial institutions should give the borrower a reply within three weeks after the mortgage materials are complete, without exception.
If the loan conditions are insufficient and the running water is not enough, can parents guarantee the mortgage? Yes, guarantees will reduce risks, so banks are allowed and accepted. How long does it usually take for a mortgage to be approved? Different banks have different loan requirements and different approval times. However, the loan conditions are of high quality and complete information, generally not exceeding one month. It will take a long time to prepare the information if the conditions are average.
Do I need to add my parents' names when the mortgage is not guaranteed by my parents?
No, there is no running account for the mortgage. It is ok for parents to be co-borrower, but they also need to have their own current account, because I am the main borrower. If the child just graduated, the monthly income can not meet the monthly requirements, and parents need to guarantee. Parents' names can be added to the real estate license at will, but if parents guarantee, both husband and wife must be present at the same time when handling bank mortgage, and they need to sign separately.
Even if you regard your parents as co-payers, you should have proof of income and running bills, because you are the main lender, and everyone should have proof of running income. Generally, you can only calculate the monthly average by looking at the income flow for half a year, which is about twice the monthly payment, and not all banks can agree that your parents can be co-payers. Bought a house this year Some banks don't allow my parents to be co-payers, but your running water only needs to be 1. 1 times of the monthly payment. Some banks allow my parents to repay together, and the total amount of running water needs to reach twice the monthly payment. You can communicate with the customer service manager if you have any questions about tap water. Extended data:
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan. Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Application materials:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
According to the regulations, your parents can be your guarantors, but they must meet certain requirements. According to the provisions of Article 7 of the Guarantee Law, any legal person, other organization or citizen who has the ability to pay off debts on his behalf may act as a guarantor. But what needs to be added is that although he owns his own property and has the ability to pay off debts on his behalf, he is a person without civil capacity or with limited civil capacity. As a guarantor, he needs the consent of his guardian.