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.

What are the secondary mortgage traps of small loan companies? What are the precautions for real estate mortgage?

When it comes to real estate mortgage, many people have come into contact with it. In fact, people around us are all understanding the specific situation of real estate, and people should pay attention to the existence of secondary mortgage when buying real estate. There are many traps in the process of real estate mortgage. What are the secondary mortgage traps of small loan companies? What are the precautions for real estate mortgage?

When it comes to real estate mortgage, many people have come into contact with it. In fact, people around us are learning about the specific situation of real estate. When buying a house, people should pay attention to the existence of secondary mortgage. There are many traps in the process of real estate mortgage. People must understand these traps in order to better protect people's rights and interests. What are the secondary mortgage traps of small loan companies today? What are the precautions for real estate mortgage?

What are the secondary mortgage traps of small loan companies?

The trap of the second mortgage of small loan companies' real estate includes: the housing in the second mortgage is under great pressure from banks or small loan institutions, so when handling the second mortgage, the loan interest rate is often very high, calculated on a monthly basis. Under normal circumstances, the monthly loan interest rate paid by the second mortgage is about 5% of the loan amount.

The traps of secondary mortgage of small loan companies' real estate are: mortgage loan with house, which is relatively common at present. Apply for a loan from the bank with the real estate license and pay off the loan within the prescribed time limit. After the real estate license loan, if you want to make a second loan, you need to act in accordance with the bank's norms. Some banks do not accept the second loan, and some banks only accept the first loan in their own bank's real estate license for the second loan.

The trap of the second mortgage of small loan companies' real estate includes: if the real estate license is used for the second loan, it will be placed in great risk, which is also a problem that banks attach great importance to. For example, the house price fluctuates greatly, and there are great security problems after the loan. If the bank receives the second loan from the real estate license, it will increase the credit scale and increase the loan risk, and the impact will be more troublesome, so it needs to be very cautious.

What are the precautions for real estate mortgage?

1, note that the age of the mortgaged property should be within 20 years; The longest loan period is ten years; The loan amount is 70% of the appraised value of the house; The implementation standards of interest rates of various lending institutions are inconsistent; Mortgaged property requires real estate license and land use certificate; If you use the property under the name of others as collateral, you need to obtain the consent of others; The mortgaged property is liquid.

2. Pay attention to real estate mortgage. Real estate mortgage refers to a kind of RMB loan with the borrower's newly purchased commercial house as collateral, and the loan bank provides the borrower with a package of financial services to meet various needs such as buying a house, parking spaces, large durable consumer goods, automobiles and living room decoration.

3. Pay attention to real estate mortgage. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.

4. Pay attention to real estate mortgage. Mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.

5. Attention characteristics of real estate mortgage: the loan term is long, up to 65,438+00 years, which can alleviate the repayment pressure to a certain extent and make it easier to use money; The loan ratio is high, which can be 70% of the housing appraisal value; The low loan interest rate effectively reduces the financing cost. The benchmark annual interest rate of the loan is 5.94%. (In practice, the specific loan interest rate and loan life should be determined according to the borrower's credit record and repayment ability. )

What are the secondary mortgage traps of small loan companies? What are the precautions for real estate mortgage? These are the answers that everyone wants. The process of real estate mortgage is complicated, and the existence of secondary mortgage is likely to have a certain impact. In short, everyone should know the steps of real estate in life, so that everyone can avoid problems well.

What are the houses in the second mortgage trap? What are the conditions in two mortgage?

You can get a loan to buy a house, and you can get another loan if you need emergency money in the future. This is what we often hear in the second mortgage, but the second mortgage is not as simple as you think. You still have to go through many procedures and follow the process, and there may be traps in it. So what are the two mortgage traps of the house?

You can get a loan to buy a house, and you can get another loan if you need emergency money in the future. This is what we often hear in the second mortgage, but the second mortgage is not as simple as you think. You still have to go through many procedures and follow the process, and there may be traps in it. So what are the two mortgage traps of the house? What are the housing two mortgage conditions?

What are the two major mortgage traps of the house?

1, the loan interest rate is high.

Housing secondary mortgage, because the pressure borne by banks or microfinance institutions is relatively large, the loan interest rate is very high when handling housing secondary mortgage, and the loan interest rate is calculated monthly. Generally, the monthly loan interest rate paid by the second mortgage is about 5% of the loan amount.

2. There is no negotiation in the repayment process.

In the process of repayment of housing in two mortgage, the requirements of financial institutions are particularly strict. In the process of repayment, once the borrower fails to repay, the bank or small loan company will immediately auction the collateral of the second mortgage without giving the mortgagor a chance to negotiate. Therefore, applicants must pay attention to the repayment time.

3. The application amount is not high.

Although the procedure of second mortgage is simple, the amount you can apply for is not high. According to the regulations, the credit line of secondary mortgage shall not exceed the original value of collateral minus the original loan amount. Under normal circumstances, the loan that can be applied for will be greatly discounted after deducting the original loan amount.

What are the housing two mortgage conditions?

1. To be able to apply for a second mortgage of a house, it is generally necessary to have better value preservation and space. Therefore, the geographical location of the house and the surrounding facilities are better. The house used for the second mortgage must be an existing house, not an auction house.

2. The borrower's credit should be good, and the existing mortgage loan has no serious record. The borrower must have a stable income and can guarantee to repay the new loans on time on the premise of repaying the existing loans.

Under normal circumstances, the bank that can handle the second mortgage is the same as the bank that handles the first mortgage. Sometimes, banks will require borrowers to take out insurance according to regulations. When handling a second mortgage, it is often necessary that the first loan has been repaid on time for a certain number of years. For example, the requirement of China Bank is 2 years.

Above is the house. What are the two mortgage traps? What are the two mortgage conditions of the house? It is necessary to find a formal loan company or bank to handle the secondary mortgage, so as to reduce the risk of being cheated. Know more about the relevant information before handling, and the possibility of falling into the trap will be much reduced.