The specific procedures for the guarantee company to advance the capital to pay off the loan are as follows: apply to the guarantee company for the advance redemption deed, the guarantee company will hand over the remaining balance of your housing loan to the bank, and the original mortgage bank will issue a loan settlement certificate. Go through the mortgage cancellation registration procedures, pay taxes and fees, issue a new certificate, go through the new mortgage procedures, issue the certificate, and issue the loan.

Ask a guarantee company for help. If you need a large amount, you can find a guarantee company to advance the amount to pay off the loan. After the mortgage of the house is released, it can be used as collateral to apply for a loan from the bank again. After you get the loan, you can repay the guarantee company.

However, the premise of this method of emergency rescue is that the borrower must have the ability to repay the loan in full and on time, which means that you are just unable to repay the loan in a short period of time. Waiting for the bank to auction the house. If you really have no money to repay the loan and can't think of any other solution, then you have to wait for the bank to auction the house. After the auction, the bank will use the auction proceeds to repay the principal and interest of the loan in advance. Any surplus will be transferred to the borrower's account.

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Why advance repayment

① Your original loan interest rate was relatively high. Now you can achieve lower interest rates, and that involves refinancing.

②When the bank loan matures, you need to repay the principal. At this time, you need to get a loan from another bank. Generally speaking, banks will remind you one month in advance before the loan expires

③You need to buy a house. This is quite common, especially buying a second home in a big city like Beijing. As we all know, the down payment for a second home is as high as 60% - 80% of the total house price.

In this case, you need to advance money to help you pay the full payment, and then use the full payment to buy a house and go to the bank to apply for a mortgage loan. (Why buy it in full and then mortgage it? It was said before that a mortgage loan is cheaper than a first house loan?) The general loan amount is 70% of the total house price. In this case, you only need to take 30% to get the first house you want. Second suite.

Why say so much about the third situation? Because Gua Ge has seen too many parents in Beijing borrowing heavily to buy housing in school districts in order to provide their children with a better education. As the name suggests, "advance payment" means "advance payment". In other words, "find someone to pay for you first." The person borrowing money can be your relatives and friends, or it can be a professional financial company.

Of course, most people will choose professional financial companies to do it. You don't have to tell me what happened. After all, you must first have this strength. Generally, people with this strength will not be able to withdraw money at any time during the current period. Another important drama is "A Favor Is Hard to Return". In most cases, we would rather spend some money to solve one thing than bother the people around us.