First of all, it must be clear that private lending is also applicable to the mortgage registration procedure of the Housing Authority, which means that the state recognizes the fact that you lend money to others to take other people's houses as collateral.
The process is relatively simple, roughly like this: first, find an appraisal company designated by the Housing Authority and issue a formal property appraisal report; Secondly, according to the evaluation price, determine the amount of funds that can be paid (generally 50% ~ 60% of the evaluation); Then sign an advance payment agreement, stating the amount and purpose of the advance payment, the return time and the collateral; Then go to the Housing Authority for mortgage registration; After registration is completed, the borrower will be paid.
The risk here is that you should have a clear understanding of the real estate, including the market situation and whether it will be in the near future. As long as you guarantee that the market value of the property is at least twice the advance payment, and the unsecured seizure record of the property guarantees that you can become the first creditor, there is basically no risk.
Second, what are the precautions for mortgage loans? There are these points!
Every family or enterprise will encounter all kinds of problems. If you want to borrow money, you'd better apply for a mortgage loan, which not only has a high success rate, but also has a very high repayment amount in the next period. So what are the precautions for this kind of mortgage loan? Let's briefly introduce it today.
1, bank flow is very important. If you plan to apply for a loan, try to put all the funds in your name, for example, put all the receipts at home in the account of the main lender, and start preparing at least half a year ago. Now some people's running water is under the name of other companies, and other companies just play an affiliated role. Although this situation can be used as a bank, it is difficult to do relative interest at the beginning of the year and at the end of the year. If the loan amount is below 30 million, banks pay little attention. If the loan amount is more than 30 million yuan, it is generally required to make a profit for three years, and it is best to increase the profit. 2. Preparation of loan time The earlier the loan date in a year, the lower the requirements for loan qualification. For the same banking products, the policy in March may be much looser than that in August. Therefore, loans are also grasped before and not after. Instead of waiting for the bank to stop lending and then going to other banks for approval, it is better to give an approval as soon as possible. I once met a person who was transferred from another bank and the mortgage process was completed. I didn't expect the bank loan-to-deposit ratio to stop lending beyond the standard, so I had to find a new bank to approve the money. At this time, it is more difficult. 3. Personal credit information has a great influence on loans, and overdue in the first half of the year will greatly affect the success rate of loans. Basically, no more than six overdue times within two years, no overdue within half a year, and the overdue date is no more than two months. Exceeding this range will greatly increase the difficulty of operation. Malignant overdue for more than 2 months should give a reasonable explanation and relevant materials to the bank.
Third, what should I pay attention to when looking for an intermediary mortgage loan?
When looking for a loan intermediary, we should pay attention to check its scale and whether it has formal qualifications. Although loan intermediary companies do not need franchising like banks, their consulting and agency business needs a license registration certificate issued by the departments of industry and commerce and taxation. Lenders should first check these certificates when choosing an intermediary company.
1. Do your best to investigate the loan intermediary company before signing the contract, and pay attention to safeguarding the rights and interests when signing the agreement. There are relatively many terms in the contracts and agreements signed by lenders and intermediaries, and many friends often don't pay attention to the specific contents when signing them, such as the proportion of intermediary fees, compensation for loan delays and so on.
2. Be careful not to give some of your valid documents to the other party, especially the original of the real estate license and ID card household registration book. How much agency fee should be paid is the agency fee. When the other party takes you to the bank, all valid documents will be formally processed at the bank. If you have to pay the original price or something, let the boss of the intermediary write down the proof and compensation measures on the agreement, and both parties will sign and press their fingerprints.
3. Entrust the guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies and banks have long-term cooperation, so they go to banks more than individuals in terms of interest rates, processing speed and loans. Of course, customers have to bear a certain service fee.
Fourth, do you need to mortgage the house to the intermediary when you turn to the public to find an intermediary company to fund it?
No need. Intermediaries are just intermediaries, and merchants turn to the public to find intermediary companies to fund intermediaries. Intermediary means that two opposite poles in different things or the same thing are connected into one through intermediary.