Advantages and disadvantages of mortgage loan and its guarantee method

1, different fees,

Mortgage loan, among which there is mortgage registration fee in 380 yuan.

The guarantee method used to be 0.3% of the loan amount in the provident fund management center as the guarantee fee, but now it is gone.

2. Different processes,

The process of mortgage is online signing-evaluation-face-to-face signing-preliminary review-loan approval-transfer-lending.

The process of guarantee is online signing-evaluation-face-to-face signing-preliminary examination-review-loan approval-transfer-lending.

3. Different time limits,

Comparatively speaking, the guarantee method takes longer than the mortgage method, and the mortgage method takes longer from transfer to loan than the guarantee method.

The pros and cons can be considered in detail.

Hope to adopt!