Maturity bridge crossing is a professional service for people who have applied for loans but cannot repay them on time for various reasons.
Mature bridges are usually divided into the following four categories:
1, deposit advance of bank acceptance bill
2, bank loans due advances
3, consumer loans, housing loans in advance.
4. Other types of prepayment business
Methods/steps
1. 1
1. Personal bridge financing and corporate bridge financing business description
Advance payment of personal transition fund:
1. In the process of applying for a new loan, renewing a loan or increasing a loan from a bank, the borrower needs to repay the previous loan before obtaining a new loan;
2. Provide fund bridge, and provide fund advance service during this period; Take the loan obtained by the borrower as the repayment source and guarantee.
In order to ensure the safe withdrawal of funds, the premise of borrowing is that the borrower's bank loan application has been approved.
Advance payment of enterprise transition fund:
1. The enterprise shall determine the amount and time of bridge loan, which shall be approved by the investor.
2. The enterprise provides a set of enterprise information (including last year's and this year's financial statements) and a set of bridge-crossing project information (feasibility, project introduction and repayment plan, etc.). ) are all copies.
3. The investor gives the quotation, negotiates the capital preservation method and gives the summary of the agreement.
4. The enterprise and the investor sign an agreement.
5. After receiving the on-the-spot investigation from the investor, the enterprise will pay within the specified time and discount the interest for the same period after being approved by the investor.
6. When the bridge loan expires, the enterprise shall return the principal.
2.2
Second, what is a bridge fund?
Bridge fund is a kind of short-term financing with a term of 6 months, which is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds; Crossing the bridge is only a temporary state.
Characteristics of bridge-crossing funds: 1. Short term, usually no more than six months. 2. High gold content: For the operation of funds, it is very important for users and plays a supporting and inciting role. 3. rate of return on capital Gao: Because of its importance, the return to the fund providers is quite high. 4. Risk is easy to control: because the bridge-crossing funds are not long-term occupation of funds, but temporary needs, they are often replaced by follow-up funds, so the risk is easy to control.
3.3
Third, advance payment
What happened to the advance payment? Advance payment refers to the funds that the amount paid by the project is greater than the advance payment formed by the total amount of the received or receivable accounts. The so-called "advance payment" has become a common vocabulary of real estate agency account managers. Generally speaking, the term of advance payment is short-term, and the longest is 1 year; The repayment method of monthly interest payment and one-time principal repayment is adopted, and there is no monthly installment repayment.
Pre-purchase: "pre-purchase" refers to the so-called "loan service company" or guarantee company's offering funds to help the next family make up the down payment to help complete the purchase when the down payment is insufficient. Of course, borrowers have to charge 2% to 5% "advance payment". To put it bluntly, this kind of "advance payment" behavior is similar to folk usury.
In the past, because most banks have set up "sub-mortgage" business, if buyers and sellers borrow in the same bank, the transfer of loans can be easily completed. Even if you don't borrow from the same bank, the letter of guarantee intervened by the guarantee company can facilitate the circulation of the loan, and the transaction between the upper and lower households also appears smooth. The main space for "funds" lies in some speculators, who want to shorten the real estate transaction time and the waiting period for loan issuance, so they would rather pay more to realize the rapid flow of funds. Nowadays, with the cessation of "remortgage" within one year, the business of "remortgage" has existed in name only one year later, and this kind of "prepayment" business has taken advantage of this situation and started to become a common means in real estate transactions.
Give a very simple example. If a house with a value of 2 million still has a loan of 6.5438+0 million, and the down payment for the next house is only 800,000, then the loan vacancy of 200,000 for the last house cannot be paid off. It is enough for the last family to have 200 thousand cash. If not, the transaction may not be completed, because only after paying off the loan and canceling the mortgage of the real estate can the next family register the transfer and apply for the certificate of small property rights; So this 200,000 yuan has become the business source of "funding".