1. What are the specific contents of mortgage loan business?

Mortgage loan refers to a kind of loan business carried out in the form of mortgage. For example, a home mortgage loan is a personal home loan business in which home buyers use the home they purchase as collateral and the real estate company where they purchase the home provides periodic guarantees.

The word "mortgage" is originally a local dialect and is more common in Hong Kong, Macao and Taiwan regions of China. Since the late 1980s, it has gradually appeared in mainland my country from south to north.

Except for the Hong Kong Special Administrative Region, there is no mortgage requirement in Chinese law. Before Hong Kong returned to the motherland, Hong Kong's mortgage regulations were divided into broad and narrow definitions.

A mortgage in a broad sense refers to any form of pledge (a pledge is a mortgage of movable property) and a mortgage; a mortgage in a narrow sense refers to transferring real estate to the name of the lender, and then transferring the real estate back after the loan is paid off. into the name of the borrower (mortgagor). There are certain differences between the mortgages stipulated in the "Urban Real Estate Management Law" and the "Security Law" and the mortgages in Hong Kong. That is, the definition of mortgages in these two laws is conditioned on the non-transfer of possession.

2. "Mortgage" has two meanings: real estate mortgage and installment payment.

Refers to a loan issued by a bank to a natural person with full capacity for civil conduct to purchase a self-occupied house and use the purchased property as collateral as a guarantee for repayment of the loan. The principal and interest of the loan are repaid on a monthly basis. A type of loan. They are divided into personal housing commercial loans (referred to as commercial loans) and personal housing provident fund loans (referred to as provident fund loans).

Specifically, a mortgage loan means that a home buyer obtains a loan from a bank using the purchased building as collateral, and the home buyer pays the bank in installments in accordance with the repayment method and term specified in the mortgage contract; the bank Interest is charged at a certain rate. If the lender defaults, the bank has the right to seize the home.

3. Mortgages can be divided into mortgage loans for existing buildings and mortgage loans for off-the-plan properties.

Existing property mortgage means that the borrower borrows money to purchase an existing property and uses the existing property as collateral. An off-plan mortgage is a mortgage loan provided by a financial institution to buyers who purchase an off-plan building (a building that has been pre-sold before completion, such as a whole building, strata or units), and is secured by the borrower's rights according to the home purchase contract.

2. What are the precautions for personal loan business?

1. Read the terms of the contract carefully and understand your rights and obligations. Before signing the contract, please read all the terms of the contract carefully. If you have any questions, You should communicate and consult with bank staff in a timely manner to understand the meaning of the contract terms and understand your rights and obligations after signing this contract.

2. The information provided must be true, and obtaining a loan is guaranteed. The relevant documents and information you submit to the bank must be true, legal and valid. The bank will further verify the identity, repayment ability, personal credit and family financial status of the borrower and his family members based on the application materials provided by the customer.

The loan application materials provided are authentic, legal and effective, which will reduce problems in the material review process and improve the loan review approval rate. ? 3. Choose the repayment method that suits you and reduce the repayment pressure. There are two main repayment methods: the equal principal and interest repayment method and the equal principal and interest repayment method. The equal principal and interest repayment method is the monthly repayment amount ( The sum of principal and interest) is fixed, but the monthly principal repayment is getting more and more, and the interest is getting less and less; the equal principal repayment method is that the monthly principal repayment is fixed, but the monthly repayment is getting smaller and smaller. The repayments (the sum of principal and interest) are getting smaller and smaller.

The former is more suitable for customer groups with stable income, while the latter is more suitable for customer groups with higher current income. ? 4. Make timely and full repayments and protect credit records? Please repay the principal and interest of the loan in full and on time as agreed in the contract.

If the national interest rate is adjusted, you should promptly communicate with the bank staff about the adjusted monthly repayment amount; if you are on a business trip, you should deposit the corresponding amount in the passbook in advance; if the entrusted debit account is frozen, deducted, In case of changes, etc., you should promptly provide the bank with a legal and valid debit account, or promptly go to the bank's designated business counter for repayment to avoid the formation of a bad credit record due to unsuccessful bank deductions, which will bring problems to your future loans, credit cards, etc. trouble. ? 5. If you change your contact information, please notify the bank in a timely manner. If you change your mailing address, contact number and other relevant information, you should notify the bank in time to keep the communication between customers and the bank open. This is also an important measure to safeguard your legitimate rights and interests. Warm reminder: It is required when taking out a loan. Pay attention to the precautions listed above to improve loan efficiency, protect your legitimate rights and interests, and avoid unnecessary trouble.

3. What are the common credit businesses?

1. Working capital loan: a loan issued by the bank to the borrower for normal production and operation turnover or temporary capital needs.

2. Fixed asset loans: medium and long-term loans issued by banks to borrowers for fixed asset investment projects. 3. Real estate development loan: It is a type of fixed asset loan. It is a loan issued by the bank to the borrower for the funds needed in the process of house construction and land development.

4. Personal housing loans: personal loans issued by banks to borrowers for the purchase and construction of various types of housing within their jurisdiction. 5. Car consumption loan: A loan issued by a bank to an individual borrower who purchases a car at a special dealer.

6. Other consumer loans: personal loans issued by banks to borrowers for other large purchases other than housing and cars. 7. Bank acceptance bill: refers to the bill behavior in which the bank, as the payer, promises to unconditionally pay the payee or holder the amount of the bill on the maturity date of the bill based on the drawer's application.

8. Discount: refers to a method in which the holder of a bank acceptance bill transfers the unexpired bank acceptance bill to the bank, and the bank pays the balance to the holder after deducting the discount interest from the face value. financing behavior.

4. What are the common sense about borrowing money?

Common sense 1: She signed someone else’s IOU, but the loan ended up being paid back by her. Because she signed her own name on someone else’s IOU, the citizen Ms. Wang got into trouble, and she had to assume the responsibility of guarantee and repay all the loans for others.

At the end of 2013, Zhang borrowed 150,000 yuan from his business partner, Boss Wang, for emergency purposes. One year after the loan expired, Zhang defaulted on repayment for various reasons.

In desperation, at the beginning of this year, Boss Wang filed an arbitration with the arbitration committee, requiring Zhang and his sister Ms. Wang to jointly bear the responsibility of repaying the principal and interest. During the trial, Ms. Chen argued that the money was borrowed by her brother and had nothing to do with her. Although her signature was on the IOU, it was boss Wang who asked her to sign it when her brother lost contact.

After hearing, the arbitral tribunal held that legitimate claims are protected by law. When the loan is due, Ms. Wang voluntarily signed the IOU to confirm it, which should be regarded as her recognition of the debt and her willingness to pay. Bear warranty responsibilities. In the end, the arbitral tribunal supported Boss Wang’s arbitration request.

In this regard, the arbitral tribunal reminds the general public not to easily sign on other people’s IOUs, IOUs and other loan receipts to avoid unnecessary civil liability. Common sense 2: As long as the debtor is notified in writing, the creditor has the right to transfer the creditor's rights. In daily economic transactions, some companies and individuals generally use the transfer of creditor's rights in order to pay off "triangular" debts.

If the creditor transfers its rights, it shall notify the debtor but does not need to obtain the debtor's consent. At the end of last year, Mr. Chen sold his old car to his friend Mr. Zhang for 200,000 yuan in exchange for a car. The two parties agreed in the sales contract to pay off the money before the end of May this year.

In mid-February this year, Mr. Chen saw that the stock market was booming and borrowed 200,000 yuan from his friend Boss Huang for stock trading. After Boss Huang pressed for it many times, Mr. Chen transferred his creditor's rights to Mr. Zhang to Boss Huang because he had invested in the stock market and had no money to repay.

Immediately, Mr. Chen notified Mr. Zhang in writing of the transfer of the creditor's rights and asked him to pay the money directly to Boss Huang. After the payment period expired, Boss Huang asked Mr. Zhang to repay the money many times. Mr. Zhang said that the car was purchased from Mr. Chen and he only had a contractual relationship with Mr. Chen, and refused to pay Boss Huang.

After repeated attempts to appeal to no avail, Boss Huang applied to the arbitration committee for arbitration. The staff of the arbitration committee believe that the creditor does not need to obtain the debtor's consent to transfer the creditor's rights, but the debtor should be notified of the transfer of the creditor's rights. As long as the debtor is notified, it will be effective on the debtor.

In this case, Mr. Zhang had the obligation to repay Boss Huang after receiving the notice of transfer of creditor's rights. In the end, the two parties reached a mediation agreement and Mr. Zhang paid the car payment to Boss Huang.

Common sense 3: If the IOU specifies the repayment period, and if it is not repaid by the due date, it will only have a valid litigation period of two years. For loans between relatives and friends, the creditor will often not press the debtor out of favor, resulting in Debt expires. Once the validity period has passed, the IOU is equivalent to waste paper.

Zhang and Mr. Sun have been friends for many years. In September 2011, Zhang was short of money and borrowed 50,000 yuan from Mr. Sun, agreeing to pay it back one year later. The deadline passed in the blink of an eye, and Zhang still did not mention the repayment of the money, and Mr. Sun did not ask for it out of sympathy.

In April this year, Mr. Sun had to ask Zhang for repayment due to difficulties in cash flow, but Zhang flatly refused and confidently said that he could not repay after the statute of limitations had passed. Mr. Sun was very upset and applied to the arbitration committee for arbitration.

However, Mr. Sun’s request was not supported by the arbitral tribunal. It turns out that according to relevant legal provisions, if the repayment period is specified in the IOU, the creditor must claim its creditor's rights within 2 years from the date of maturity of the loan, otherwise the creditor's rights will not be protected by law.

At this time, the debt is converted into a natural debt. Only when the debtor repays voluntarily can the creditor retain its creditor's rights.

5. What are the principles and precautions for lending?

1. Choose several banks to compare with each other and shop around. Three banks compete with each other for customers, so they all have their own Loan preferences, based on national regulations, provide borrowers with more concessions in interest rates or other aspects.

2. Reasonably plan the loan period. Everyone’s financial ability, reserve funds, etc. are different. In addition, future development plans are different, so the loan period must be decided according to your own situation.

Because the term of the loan affects the amount of interest. 3. Different loan methods have different details, which need to be distinguished. Currently, the main loan forms of banks include credit, guarantee, mortgage, pledge, etc.

Correspondingly, when banks implement loan interest rates, the increase in loan interest rates will also be different. It is also a loan with the same application period and the same amount. If you choose the wrong loan form, you may bear more loan interest expenses and make yourself spend more money in vain.

4. Be cautious when signing a contract. Some people think that if they pay attention to the previous few points, they can rest assured when signing a contract. In fact, the last step is the more cautious you need to be.

Read every detail of the contract. The loan interest rate and term must be clearly determined at this step. Be careful when taking out a loan. Maybe if you grasp the details well, you can help yourself save a lot of money, and you will also be responsible for your future planning.