Generally speaking, in addition to the staff of enterprises and institutions, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.
Question 2: Do you need a guarantor for personal housing loans? Whether a personal housing loan needs a guarantor is approved by the bank according to the lender's credit conditions and approval outline. Only when the lender's own conditions are insufficient will it be required to provide a guarantor. Guarantors generally require joint guarantee. In other words, if the lender is unable to repay the loan, the guarantor must fulfill the guarantee responsibility and repay the principal and interest.
For banks, the collateral itself is not an adequate repayment guarantee in the case of the uncertain trend of the real estate market. After all, the bank wants money, not a house.
Generally speaking, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.
Question 3: How many loan guarantors do you need? It depends on the requirements of the bank. Some need one and some need two. Usually one is enough.
Question 4: Do you need a guarantee to buy a house with a loan? Do I need to pay the guarantee fee to the designated third party to borrow money from the bank to buy a house? Why do you have to pay the guarantee fee? Can I refund the money I paid? Quick Easy Loan is here to answer you one by one.
Kuaiyi Loan pointed out that whether through provident fund loans or commercial loans, buyers need to pay this guarantee. Of course, according to different specific circumstances, the amount paid is also different.
According to the borrower's credit record, the general bank needs the borrower to provide a guarantee certificate of a legal person or other economic organization or natural person with sufficient compensation ability. If the borrower can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank.
If not, you need to go to a professional guarantee company, who will provide guarantee for the borrower. The fee paid at this time is the mortgage guarantee fee. At the same time, different loan time, loan amount and guarantee rate should also consider individual repayment ability.
In fact, all banks will designate corresponding real estate guarantee companies according to their own access conditions to safeguard the legitimate rights and interests of banks and customers.
Details of the guarantee fee paid for the loan to buy a house:
On the one hand, the bank examines the borrower's credit record, on the other hand, it also depends on the borrower's loan method, and decides whether additional guarantee is needed according to the borrower's actual situation. If it is tx, considering the high risk, in this case, the bank will provide additional guarantee, that is, the borrower will pay the guarantee fee to the guarantee institution.
Regarding the question of whether the guarantee fee can be refunded, Kuaiyi Loan understands that if the borrower repays the loan in advance, some guarantee companies can also refund the guarantee fee according to the previous agreement, but not in full, and a certain handling fee is required.
Therefore, it is especially reminded that property buyers who intend to repay the guarantee fee in advance should read the specific terms before signing an agreement with the guarantee company.
In addition, the amount of the guarantee fee varies according to the borrower's personal situation. You can call the relevant business personnel of the guarantee company for details.
Tips: Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and credit institutions, and loan types are divided into personal loans, auto loans, housing loans, provident fund loans, consumer loans, credit loans and unsecured loans. 20 13 The latest loan interest rate is specifically positioned as follows: 1. Short-term loans for six months to one year are: 1. 180 days (inclusive) 5.6%; 2. 180 days to 365 days (inclusive) 6%. 2. The medium and long-term loan interest rate for one year to more than five years is: 1. One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years.
6.55%。 In response to the national call for personal credit reporting, Kuaiyi Loan advises users to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.
For more information about buying a house by loan, please pay attention to Kuaiyi Loan Encyclopedia: house.quickloans/.
Question 5: Bank loans need a guarantor. What does a guarantor do? The bank thinks that your mortgage rate is insufficient or your repayment ability is limited. The bank requires you to provide a guarantee company or guarantor, which means that if you are unable to repay, the bank will recover from the guarantor!
Question 6: What procedures does a personal loan guarantor need? Procedures required for personal loan guarantor:
For personal guarantee, the following information shall be provided:
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;
Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );
Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);
Personal bank credit information inquiry system;
Notarization.
For enterprise guarantee, the following information shall be provided:
Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate;
Shareholders' consent;
Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal);
Special industries need to provide EIA data (EIA report, pollutant discharge permit).
Question 7: What documents does the loan guarantor need? Husband and wife's ID card, household registration book, marriage certificate, and single person's single certificate.
Proof of income, it is best to provide a copy of the real estate license.
Question 8: Do you need a guarantor for short-term loans?
1. Personal identification, household registration book, proof of residential address and proof of marital status.
2. Personal income certificate or asset status certificate
3. Proof of the property right of the mortgaged house
4. If the applicant takes other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status and written proof of consent to mortgage.
Loan process:
1. The borrower applies and submits relevant materials;
2. Conduct real estate appraisal and pre-loan investigation and approval;
3. Pass the examination and approval and go through the mortgage registration formalities;
4. When granting loans, the borrower shall repay the principal and interest of the loans on a regular basis as agreed in the contract;
5. Settle the loan principal and interest and recover the mortgaged house. Loan amount: 50% of the market value of the house. Time of loan receipt: 1.5-2 months. Channel 2: Financing through the private sector.
1. Any natural person over 18 who owns real estate can do it, and it's no problem if he is older;
2. Ordinary houses, shops, office buildings, affordable houses, price-limited houses and bottom-level merchants can all use them. What's more, if the bank has not paid the final payment, it can also make a second loan;
3. Loan amount: 60-70% of the market value of the property;
4. Information required for application: ID card, household registration book, household registration book and marriage certificate;
5. Loan arrival time: You can get the money as soon as possible on the same day.
Question 9: What are the procedures for bank loans? Do you need a guarantor for bank loans? For college students who want to start a business, there is not enough money to start a business. Everyone thinks of bank loans, but they don't know what the procedures are for bank loans and whether they need guarantors. Questions about netizens will be explained one by one in the article. If I go to the bank for a loan, I can borrow almost 3000 to 5000. What procedures should I go through? Do you want a guarantor? Credit loans are hard to get, so they can only be mortgaged or mortgaged. The procedure is troublesome and the approval process will take a long time. Not much. Loans are not recommended. Find someone to borrow it. I am a college graduate. I haven't found a job yet. I want to start a business. Who can tell me the procedure of getting a loan from the bank? It is normal for college students to start businesses. You have no practical experience, go to the bank for a loan. First of all, you don't have a high reputation, but it's ok to borrow more than tens of thousands. What if you lose money? I still suggest that you can open an online shop in Taobao first and accumulate experience in opening a shop. After all, it is the condensation of a small society, and you will learn a lot. I am also a Taobao agent. You can come to me if you need anything, and I will teach you. After all, starting a business on Taobao doesn't cost much to get a bank loan. Generally, the period for handling personal loans is no longer than 5 years, and the geographical location and fixed number of years of mortgaged real estate must meet the requirements of banks; If the property owner is your father, the signature of the mortgagor needs the signature of your parents. The specific information needed is as follows: loan conditions: 1. The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Information required for personal loan: ID card, household registration book, proof of marital status, income certificate, real estate license, ID card, household registration book, proof of marital status and other relevant information required by the bank. 5. Property owner's ID card/household registration book/proof of marital status; You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; 5. Bank Loan _ Bank Loan This procedure, bank loan fees, bank loan procedures, bank housing loan procedures, bank loan procedures.
Question 10: Is it risky to be a guarantor of the lender? The guarantor is at risk. If your friend has no money to pay back, if you don't, your credit in the bank will become very low, and the banks are all connected to the internet, which will have a certain impact on your future loan to buy a house, loan to buy a car or apply for a visa, but 10W is still ok, not too much.