Conditions of guarantor of housing loan
1, with full capacity for civil conduct;
2. Have a fixed residence or valid residence status in the local town, and their work and income are relatively stable;
3. The housing accumulation fund has been paid normally for more than 6 months continuously, and its account has deposits of 1 year or more;
4. No provident fund loan balance and other bad debts;
5. The borrower shall not withdraw the housing provident fund or apply for a housing provident fund loan before repaying the loan principal and interest in full or revoking the guarantee;
6. The age of the guarantor and the term of the secured loan shall not exceed the statutory retirement age. If a natural person guarantees, it shall provide the guarantor's ID card, residence booklet, income certificate and housing provident fund account number, and sign a guarantee contract with the entrusted bank. The responsibility of the personal housing loan guarantor depends on what you have agreed in the guarantee contract, which can be a general guarantee or a joint and several liability guarantee.
Does being a guarantor affect the mortgage?
Being a guarantor may affect the mortgage, for example, property and income will affect the mortgage ratio, so be cautious. Being a guarantor will definitely affect your loan. For example, according to your property and income analysis, the amount of your own loan is 6.5438+0 million, but if you guarantee 500,000 for others, you can only borrow 500,000 at most. Because in the bank's view, your guarantee for others is also a kind of debt.
If the lender can have fun on time, there is no problem. If you don't pay it back, you may be jointly and severally liable, and you have to help repay it. If this loan is paid off, it won't affect you much. If you don't pay off, your loan will definitely be affected. The bank is worried that if the lender doesn't pay you back, you have to ensure that you have enough ability to help repay, so even if you are given a loan, the amount will be greatly reduced.
How do individuals borrow money to buy a house?
1, personal housing commercial loan to buy a house. The above two loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. Only your deposit in the bank accounts for not less than 30% of the funds required for house purchase, and it is used as the down payment for house purchase, with the assets recognized by the loan bank as mortgage or pledge, or with the unit or individual with sufficient compensation capacity as the guarantor, to repay the loan principal and interest and bear joint and several liabilities. Then you can apply for a loan.
2, housing provident fund loans to buy a house. For residents who have paid the housing provident fund, when buying a house with a loan, they should first choose a low-interest loan from the housing provident fund. Housing provident fund loans are subsidized, and the loan interest rate is very low, not only lower than that of commercial banks in the same period. Moreover, it is lower than the interest rate of commercial banks in the same period, that is, there is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
3. Personal housing portfolio loans to buy a house. The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans, which can be handled by the bank's real estate credit department. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose. Personal housing provident fund loans are more cost-effective.