In this way, the collateral acceptable to the loan bank is: the house purchased and the house that the borrower already owns (has property rights). The borrower and the borrower shall go through the mortgage registration formalities with the real estate management authority in accordance with the relevant laws and regulations, and the mortgage registration fee shall be borne by the borrower.

2, the right pledge loan guarantee

With the pledge of rights as the loan guarantee, the collateral acceptable to banks are: specific securities and certificates of deposit. Securities include treasury bills, financial bonds and corporate bonds recognized by banks, and certificates of deposit only accept RMB time certificates of deposit. When the borrower applies for a pledged loan, the amount contained in the pledge certificate must exceed the loan amount, that is, the amount contained in the pledge certificate must be at least 65,438+00% of the loan amount. All kinds of bonds can be used for pledge only after they have been evaluated by the loan bank and proved to be true and effective. Renminbi certificates of deposit must have the identification certificate of the bank and the certificate of loss exemption.

3. Third party loan guarantee

To use a third-party guarantee as a loan guarantee, the borrower needs to provide a guarantor recognized by the loan bank. According to the regulations of the loan bank, the guarantor must be an enterprise legal person, and the loan guarantee provided to the borrower is an irrevocable joint liability guarantee. When choosing this guarantee method, the borrower must first understand the requirements of the third-party legal person guarantor recognized by the bank. Judging from the relevant bank loan regulations, the borrower should provide a copy of the business license of the third-party legal person; Third-party legal persons can conduct independent accounting and be responsible for their own profits and losses; It has a sound management organization and financial management system, and its credit rating is equivalent to AA or above; Having a deposit account with China Construction Bank; No major creditor's rights and debt disputes, etc. If the third-party legal person does not meet these conditions or any of them, it will not pass the examination of the loan bank. Although non-public institutions with good credit status can also provide loan guarantees for their employees according to regulations, they need the approval of the loan bank.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.