What do you want to mortgage?
2. What are the detailed procedures of mortgage pledge? What are the procedures?
What do you want to mortgage?
3. What are the specific procedures for mortgage counter-guarantee?
1. What is the specific process of mortgage counter-guarantee? 1. If the parties to a contract mortgage their property, they shall go through the mortgage registration procedures; 2 for the registration of mortgaged property, the master contract, the mortgage contract and the certificate or copy of the ownership or use right of the mortgaged property shall be provided to the registration department. 3. Mortgage registration department: the department that mortgages buildings such as urban real estate or township (town) village enterprises as stipulated by local governments at or above the county level; 4. Counter-guarantee mortgage rate: the mortgage rate of real estate (calculated by net value) is not higher than a certain value (such as 60%). Second, what kind of special form is the significance of mortgage counter-guarantee? The specific function and significance of counter-guarantee are shown in three aspects: (1) Counter-guarantee is an effective measure to safeguard the interests of the guarantor and ensure the realization of his possible recourse in the future. This is its most direct function; (2) Counter-guarantee is conducive to the establishment of this guarantee relationship. When a prudent third party provides a guarantee for the debtor to the creditor, especially when the guarantor has no close interest relationship or subordinate relationship with the debt, and has doubts about whether the right of recourse can be realized after assuming the guarantee responsibility, it will often ask the debtor to provide a counter-guarantee. Whether there are counter-guarantee measures at this time directly affects the setting of this guarantee. If there is no counter-guarantee for the debtor's own interests, financial institutions such as insurance companies refuse to provide guarantees for the debtor, and there is almost no case where other guarantors ask the debtor to provide counter-guarantee to reduce risks. It can also be used as a means of adjustment, and can be combined with this guarantee in a subtle way according to the situation and needs to provide a cheap guarantee relationship under complicated circumstances. In real life, an obstacle is often caused by special circumstances or special considerations. At this time, we can use counter-guarantee to detour and use appropriate guarantee to connect, so as to resolve difficulties and overcome obstacles. For example, debts can generally be directly guaranteed to creditors. Although the guarantee of this kind of thing is reliable, the creditor hopes that when the debtor can't pay off his debts for one of the following reasons, he can easily get money payment from the guarantor; 2. Avoid the trouble of collateral; 3. It is inconvenient to deal with the collateral in the future, but it is useless to discount it to yourself. In this case, a satisfactory guarantee is provided, and then the debtor provides a counter-guarantee to the guarantor. Counter-guarantee is properly matched with this guarantee to meet the various needs of the parties, maintain transaction safety and avoid guarantee risks. It can be seen that the anti-creditor-debtor relationship and the guarantee relationship have added a number of chains and links, making the relationship between the parties more complicated. However, counter-guarantee is by no means a futile and tedious mechanism invented subjectively, but a legal reflection of the objective needs of real economic life. I have just given you a simple answer to the question of "what is the specific procedure of mortgage counter-guarantee". In fact, housing mortgage loan increases the borrower's reputation and reduces the guarantor. The counter-guarantee procedure of housing mortgage is not difficult to understand. As long as you provide relevant information as required and register the mortgage guarantee, you can go through the counter-guarantee procedures.
4. What is the process of mortgage loan with certificates of deposit?
The pledge of certificates of deposit refers to a kind of credit business in which the borrower takes the unexpired personal time deposit certificate issued by the lending bank (some banks handle the mortgage loan of certificates of deposit issued by other financial institutions that have signed a guarantee commitment agreement with the bank) as the pledge to obtain a certain amount of loans from the lending bank and repay the loan principal and interest on schedule. The process is as follows: Information:
1, personal deposit certificate application form;
2. Show the original valid identity documents of the borrower and the pledger (referring to the resident identity card, household registration book or other valid residence identity documents) and provide a copy;
3. The original valid personal time deposit certificate of the bank;
4. Other supporting documents or materials required by the bank. Process: The borrower who applies for a personal certificate of deposit must meet the following conditions at the same time: 1, a natural person with full civil capacity; If the employee 16 or above 18 or below, submit the certification documents that his/her labor income is the main source of livelihood; 2. Hold my valid identity document; 3. Holding an unexpired personal time deposit certificate and time passbook issued by China Bank; 4. If the applicant holds a certificate of deposit in a name other than his own, he shall also show the original valid ID card of the owner of the certificate of deposit and the written document that the owner of the certificate of deposit agrees to pledge;
5. If the borrower holds a time deposit certificate, he must hold a deposit certificate in his own name;
6. Other conditions stipulated by the lender.