The real estate mortgage loan of the finance company is in cooperation with the bank.
1. The lender consults with financial institutions, fills in the application for housing mortgage and submits relevant loan materials.
2, financial institutions to review the application materials submitted by the borrower.
3. After approval, both parties sign a loan contract.
4. Financial institutions should register the borrower's mortgage.
A mortgage house in Xiaoxian County can be mortgaged to a financial company.
You can't.
The mortgaged house itself has been burdened with loans and can no longer be mortgaged to financial companies.
You can guarantee the company to give you advance money, redeem the house from the bank, and then personally apply for a mortgage loan from the guarantee company.
I want to find a financial company to use real estate as collateral. Is it safe?
Whether it is safe to use a house as a mortgage depends on the specific situation. For borrowers, it is necessary to find qualified lending institutions, such as commercial banks. Even if you want to find a financial company, you should also find some financial companies with very good credit. Don't just ask the company to mortgage the property. Therefore, it is better to apply for mortgage loan in the bank, with high quota, low interest rate and reliable. For the lender, the house mortgage must be registered, and the mortgage right will take effect after the mortgage registration.
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Risks of real estate mortgage loan:
It is necessary to reasonably evaluate the loan use and capital risk, especially the use of a single housing mortgage loan. If the use of funds is risky, it is easy to fail to repay, resulting in higher overdue fees; Finally, when the mortgaged property is auctioned, its price is relatively low, which will lead to the risk of asset shrinkage.
Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize, and liquidity is an important principle for banks to ensure asset quality. Today, liquidity risk is reflected in two aspects. First, at present, China's housing loans 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. This short-term deposit and long-term loan behavior makes the liquidity of banks very low, which in turn brings liquidity risks.
As a creditor, the bank will inevitably implement collateral to realize its creditor's rights when the debtor can't repay the principal and interest on time, and as a debtor, it may face the risk of homelessness for itself and his family.
The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower, and the theory of ability to pay holds that compulsory breach of contract is caused by insufficient ability to pay. This shows that the borrower has the willingness to repay, but has no ability 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.
Which company is better for real estate mortgage loan?
Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.
1, Beijing real estate mortgage loan platform
Beijing Loan Guarantee Platform was established in accordance with the law on 20 10, located in Chaoyang District, Beijing. The platform adheres to the business philosophy of "legality, safety, professionalism and efficiency", fully draws on professional financial service concepts and technologies, and combines the domestic market demand for multi-channel financing and loan guarantee, specializing in loan guarantee services.
2. Fast Loan Network
Fast loan network was founded by well-known domestic entrepreneurs and financial industry veterans. Adhering to the tenet of "what customers think, what we think", relying on the advanced financial system platform, perfect service network and professional management team, the company adopts the concept of efficient and high-speed service, which has been highly recognized by customers from all walks of life.
3. Loan service platform
The loan service platform belongs to Guangzhou Lending Information Technology Co., Ltd., which was established in June 2065438+2007. It is a loan service organization specializing in the field of asset mortgage. The loan has reached a long-term strategic cooperative relationship with a number of financial institutions and funders; It mainly provides loan financing services of more than 6,543,800 yuan for loan customers, including personal mortgage loans, large-scale enterprise mortgage loans, and advance loans.
4. Huahan Finance
Huahanfang, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loan, real estate secondary mortgage, mortgage re-mortgage loan, mortgage-to-mortgage loan, real estate transaction loan, sealed house loan, etc.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. has a registered capital of 50 million yuan. With rich background resources and strength, and the service concept of "customer-centered, honesty-oriented", it has established a brand recognized, satisfied and loyal by consumers and developed into a unique professional financial service institution.
How to borrow a house mortgage loan
The process of real estate mortgage loan is basically as follows: The details shall be subject to the corresponding lending institution.
Face-to-face signing (can be signed by households or residents) → real estate assessment → entering the household in the business premises → approval → notarization → mortgage → loan.
Precautions:
(1) Find a suitable lending institution.
Different lending institutions have different loan rules and conditions. For example, some banking institutions only accept real estate in urban areas as mortgage loans, while some lending institutions have no geographical restrictions on housing. Therefore, borrowers can compare with several lending institutions and choose the institution suitable for their own situation to handle housing mortgage loans.
(2) Have good personal credit.
Housing mortgage loans do not have high requirements for borrowers, but it does not mean that there are no requirements. If you have a bad credit record, it is more difficult to get a loan. In addition to not having a bad credit record, it is best to have a stable job that can provide bank running water, so it is easier to apply for housing mortgage loans.
(3) The house should be liquid.
Some properties that are too old or too small are of little value, and some banks will not handle mortgage loans; Some property rights are unclear, so it is impossible to apply for real estate mortgage loans. Therefore, the property rights of the house should be clear, meet the conditions of listing and trading, and have the ability to realize liquidity in order to successfully mortgage the loan.