Mortgage loan/securities loan
According to news reports, by the end of 20021,the average interest rate of the first home loan in China was 5.2% and above, and the interest rate of the second home loan was above 5.9%, which is also the interest rate of most ordinary people's housing loans. By September 2022, the benchmark interest rate of the first home loan in China has dropped to 4. 1%, but the repayment amount of ordinary people has not been greatly reduced. On the contrary, high-level banks always give people a situation of drought and flood, which leads some people to repay their loans in advance if conditions permit. However, in the current economic environment, more people can only silently accept their own mortgages. Once the market released the signal of lending, a group of "lenders" appeared.
Mortgage, commonly known as commercial housing loan, is usually converted from commercial loan to provident fund loan, but the premise is that there is a provident fund account with normal deposits, and the loan bank must be a provident fund cooperative bank. There are many procedures and strict examination, and there are few qualified lenders.
Operating loans generally refer to mortgage operating loans, which are loans issued by banks to small and medium-sized enterprises and individual industrial and commercial households for operation. The minimum loan interest rate is 3.6%, and the longest term is 10 year. Looking at the price difference alone, it is quite attractive. Taking 1 10,000 mortgage as an example, 10 can save hundreds of thousands of interest. Doesn't it smell good?
Operating loan
Sweet, but risky and easy to turn over. To put it simply, the whole loan process can be understood as follows: first, you have to settle the loan, and then use the house as a mortgage, but you have no money, so the first step is to borrow money, but you don't have a company or shop, so the second step is to apply for a certificate. Although all the information will be packaged and sorted by the intermediary, it is unprofitable. The intermediary will charge 1% of the operating loan amount as service fee and bridge crossing fee, which is the main legal risk.
parcel
But think of it this way: you can avoid legal risks by doing it yourself without looking for an intermediary. It is true that people who don't know are innocent. First of all, you have to borrow money from relatives and friends (can you borrow it? ), I finally got together with seven aunts and eight aunts to get a business license, but some banks have to provide income flow, upstream and downstream contracts and other materials (is it neat? ), it is difficult to make it, and banks also have loans, but this loan can only be used for business activities. Once it is regulated to flow into real estate or investment, it will be borrowed at any time and face the risk of default. Can you stand it?
Therefore, the idea that ordinary people want to change mortgages into commercial loans is beautiful, but the reality is cruel. Those who have money will not do it until the last step, and those who have no money will not do it until the last step. The operation itself has certain illegal elements and walks on the edge of gray. If it is checked afterwards, the consequences will be even worse for ordinary people who have no money.
Then why do some intermediaries actively provide so-called "lending" services? Because there are benefits, and it is big, after some internal operations, it is real money, and the risk of violation is borne by the lender. On the surface, I enjoyed the benefits. You saved the mortgage and I made a little money. But in fact, there are uncertainties before and after. Once investigated, the lender will always suffer. Therefore, ordinary people should not think about reducing mortgage expenses by refinancing. On the contrary, it is suitable for businessmen, business owners and people who can repay money at any time, and the loan is limited to production and operation.
Loan withdrawal