The hazards of housing mortgage loans are:

1. Default risk: Even if the mortgagee is a bank, there are default risks when the borrower applies for real estate mortgage, including compulsory default and rational default. Compulsory breach of contract refers to the borrower's forced breach of contract because of his insufficient ability to pay, which shows that the borrower is willing to repay, but unable to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only decide whether to default by comparing the only equity in his house with the mortgage debt.

2. Liquidity risk: There are some sexual risks in real estate mortgage loans, including liquidity risk and liquidity risk. Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize. China real estate mortgage loans mainly come from provident fund and savings deposits. Savings deposits absorbed by banks are short-term deposits, usually with a term of only three to five years, while housing mortgage loans are long-term loans.

3. Economic cycle risk: Economic cycle risk is relatively rare, which refers to the risk caused by periodic fluctuations in the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the economic cycle.

4. Interest rate risk: I believe everyone understands that interest rate risk refers to the risk brought by the change of loan interest rate to the asset value of the bank. Interest rate risk is determined by the capital structure of short-term deposits and long-term loans. Fluctuations in interest rates, whether rising or falling, will bring losses to banks. If the interest rate rises, the mortgage interest rate will also rise, which may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater its influence, thus increasing the risk of default.

What should I pay attention to in mortgage loan?

1. Credit is an important basis for banks to approve loans. In order to avoid capital risk, the bank will review the credit of the lender. If there are many overdue loans or blacklists, banks will refuse loans, so credit is a very important condition.

2. Whether the property can be mortgaged, some properties can't be mortgaged without the title certificate. Therefore, you must obtain the property right certificate before you can apply to the bank.

3. Other properties, with high one-time pass rate, can provide other properties under their names and can be recognized. However, when providing it, the consent of all property owners must be obtained, and written materials must be prepared before the bank will recognize it.

4. Materials provided. When applying, the bank will ask for identity information materials, real estate licenses and other materials. All materials provided must be true and correct, and no false materials shall be provided. If the bank finds out, it will directly refuse the loan, be blacklisted, and can no longer apply for a loan. Those who cause economic losses will also bear relevant legal responsibilities.

Basic elements of risk control in real estate loan business

The basic element of risk control of real estate loan business is the borrower's default risk. The borrower's default risk is the most direct and concentrated risk faced by banks in mortgage loan business, which is mainly manifested in compulsory default (refers to the loss of repayment ability caused by personal financial shortage) and rational default.

Why is the risk of real estate loan low?

When funds are insufficient, many people will borrow from banks, but the loan is risky. At present, the risk of real estate loans in the market is relatively low, and many people are puzzled. So why is the risk of real estate loans low? What is the real estate loan risk? Let's take a look with Bian Xiao.

First, why is the risk of real estate loans low?

1. At present, the proportion of real estate loans in various banking businesses is not very high, especially in large banking businesses, which are generally below 8%, and the lower is 6% to 7%. Real estate loans in some small and medium-sized commercial banks will be slightly higher, about 10%.

2. If the real estate market as a whole is relatively stable and there is no major systemic risk, then the risk of real estate development loans will not be great. For commercial banks, the income from real estate loans is good and relatively stable, and commercial banks must do it again.

Real estate is one of the most important industries in China. With the development of cities and towns in China, the real estate industry in second-and third-tier cities in China still has a broad space for development, which will be a very important business for commercial banks.

4. Since China was hit by the international financial crisis in the second half of 2008, the price of the real estate market has declined, but the credit of the real estate industry has remained relatively stable. After the second quarter of 2009, it began to pick up, so the price of the real estate market began to rise, and banks correspondingly increased the proportion of real estate loans, but it did not increase significantly.

Second, what is the real estate loan risk?

The risk of real estate loan refers to the possibility that a loan issued by a real estate financial institution will suffer losses due to various uncertain factors in economic and financial activities. The risk of real estate loan is reflected in the risk that the loan funds will not be recovered on time or the loan will depreciate when the real estate loan date expires.

Be cautious when making real estate loans, because real estate loans have certain risks. The above is about why the risk of real estate loans is low and what is the risk of real estate loans. Friends in need can learn more about it.

What are the risks of buying a house with a loan?

Many people don't have enough funds to pay the full amount in one lump sum. Under such circumstances, they will naturally think of applying to the bank, and then they only need to repay the bank loan every month as agreed. But in fact, whether it is buying a house in full or buying a house with a loan, it is said that there will be some risks. What are the risks of buying a house with a loan?

1, the risks that loans may bring to real estate developers. There are also risks for buyers.

2. Real estate developers have seriously delayed the delivery deadline. Failing to fulfill the obligation to hand over the house on schedule, or the real estate developer fails to complete the real estate development, resulting in the purchaser being unable to obtain real estate.

3. Real estate developers sell one room and two halls. It refers to the behavior that a real estate developer signs a sales contract with a second buyer for the same commercial house after signing a contract with the first buyer and before handling the registration of the ownership transfer of the commercial house.

4. The implementation of the country leads to the fact that buyers no longer meet the purchase conditions. It makes it impossible for real estate developers to handle relevant property certificates for property buyers. Once the house price rises in this process, real estate developers may ask buyers to bear the burden and resell the house to others.

5. If the buyer's funds are cut off. If the house payment can't be paid on time, the real estate agent will deal with the breach of contract by the buyer, and the cost of breach of contract by the buyer will increase.

The above is about the risks of buying a house with a loan.

What are the risks of real estate mortgage loan?

1, default risk

Even if the mortgagee is a bank, there are default risks for the borrower to handle the real estate mortgage loan, including compulsory default and rational default. Compulsory breach of contract refers to the borrower's forced breach of contract due to his own reasons and insufficient ability to pay, which shows that the borrower is willing to repay, but unable to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only make a decision whether to breach the contract by comparing the unique rights and interests in his house with the size of mortgage debt.

2. Liquidity risk

There are certain risks in real estate mortgage loan, including liquidity risk, which refers to the risk that short-term funds and long-term loans are difficult to realize. Nowadays, the liquidity risk of real estate mortgage loan is reflected in the fact that housing loans in China mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans.

3. Business cycle risk

Economic cycle risk is relatively rare, which refers to the risk caused by periodic fluctuations in the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the economic cycle.

4. Interest rate risk

As we all know, interest rate risk refers to the risk brought by the change of loan interest rate level to the value of bank assets. Interest rate risk is determined by the capital structure of its short-term deposit and long-term loan business, and the fluctuation of interest rate will bring losses to banks whether it rises or falls. If the interest rate rises, the interest rate of housing mortgage loans will also increase, which may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater the impact, thus increasing the risk of default.

So much for the introduction of real estate loan risks.