Yes, you can, but you'd better do it yourself. As long as you find a real estate agent, they will help you. You just need to provide the materials they ask you to provide. If you buy real estate in an intermediary company, the intermediary company can help you with the mortgage.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; To apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Is the real estate mortgage agency reliable? How to choose a real estate mortgage intermediary
Some friends are inexperienced novices when buying and selling houses, so they don't know much about buying and selling houses, and it's difficult to deal with them. Therefore, when handling these matters, they will choose some more reliable intermediary companies to handle them on their behalf. So, is the real estate mortgage intermediary company reliable? How to choose the real estate mortgage intermediary company?
Some friends are inexperienced novices when buying and selling houses, so they don't know much about buying and selling houses, and it's difficult to deal with them. Therefore, when handling these matters, they will choose some more reliable intermediary companies to handle them on their behalf. So, is the real estate mortgage intermediary company reliable? How to choose the real estate mortgage intermediary company?
1. Is the real estate mortgage agency reliable?
You can find an intermediary company to handle real estate mortgage loans. In the intermediary market, you can't guard against various intermediaries. If you don't pay attention to finding some unreliable intermediaries, you may sell less money and face some risks. The premise of obtaining these strong guarantees is to find a reliable intermediary, so as to avoid some transaction risks and achieve the real purpose of saving time and effort in selling houses.
Second, how to choose a real estate mortgage intermediary company
1. If you are afraid of trouble, you should pay attention to the scale and whether you have formal qualifications when looking for a loan intermediary. Although loan intermediary companies do not need franchising like banks, their consulting and agency business needs a license registration certificate issued by the departments of industry and commerce and taxation. Lenders should first check these certificates when choosing an intermediary company.
2. Do your best to investigate the loan intermediary company before signing the contract, and pay attention to safeguarding rights and interests when signing the agreement. There are relatively many terms in the contracts and agreements signed by lenders and intermediaries, and many friends often don't pay attention to the specific contents when signing them, such as the proportion of intermediary fees, compensation for loan delays and so on.
3. Be careful not to give some of your valid documents to the other party, especially the original of the real estate license and ID card household registration book. How much agency fee should be paid is the agency fee. When the other party takes you to the bank, all valid documents will be formally processed at the bank. If you have to pay the original price or something, let the boss of the intermediary write down the proof and compensation measures on the agreement, and both parties will sign and press their fingerprints.
4. Entrust the guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies and banks have long-term cooperation, so they go to banks more than individuals in terms of interest rates, processing speed and loans. Of course, customers have to bear a certain service fee.
The above is the introduction of whether the real estate mortgage intermediary is reliable and how to choose an intermediary company. It is also necessary to sign a contract amount to find an intermediary company to handle the real estate mortgage loan, and the lender should propose amendments to the excessive requirements that are not conducive to himself in the agreement; In addition, we should also be cautious about the requirements of intermediary companies such as paying deposit, prepaid handling fee and issuing power of attorney to avoid being deceived.
Can the second-hand house mortgaged by installment be affiliated with an intermediary company?
Of course. Second-hand housing installment loan is a financial tool recognized by the government, which allows people to buy a house with a small down payment and call an intermediary company to handle the transaction details.
Are lending institutions reliable?
Are lending institutions reliable?
Formal loan intermediary and bank cooperation are more reliable. Loan intermediary or amount intermediary service is aimed at small and micro enterprise customers and individuals. Many borrowers don't know much about products and loans and need an intermediary to introduce and facilitate transactions. The loan intermediary will undertake the bank's loan service and be responsible for customer marketing, data collection and simple evaluation, which greatly saves the bank's work energy. There are many lending institutions in the market, including banks, each with different application thresholds. If this one doesn't meet the requirements, maybe the other one can pass the application smoothly. However, with so many lending institutions in the market, it is unrealistic for borrowers to try and make mistakes one by one. Loan intermediaries have a more professional understanding of the loan market. They are quite familiar with local lending institutions and master many loan channels. Therefore, according to the actual situation of borrowers, they will look for suitable channels and provide valuable suggestions to find suitable loan products for borrowers. Greatly improve the choice of borrowers, choose the best among the best, and match the most suitable lending institutions for borrowers.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
Is the loan intermediary reliable?
As a practitioner in the loan industry, let me talk about my personal feelings.
In the industry of loan intermediary, loan intermediary is similar to real estate intermediary. They all hold the priority information of the industry and earn money for information recursion and resource allocation.
Generally speaking, real estate agents and loan agents are sales, but real estate agents sell houses, loan agents sell money and bank money. You can accept a real estate agent because it can really help you buy the house you want in a short time. Because you save time and energy, you are willing to pay part of the agency fee.
However, many people have different views on loan intermediaries. People subconsciously start to reject loan intermediaries, because people think they often deal with banks, so why do they ask people to help them with loans? In addition, many loan intermediaries are unwilling to tell the truth and have no good communication with customers, which leads to worse customer credit information and no loans, which leads to more and more people not recognizing this industry and even getting tired of the idea that loan intermediaries are liars.
I'm not trying to correct the name of this industry. There are too many fried dough sticks in this industry. I just want to write out my truest feelings for everyone to see, so that everyone can have an objective understanding of this industry, rather than blindly denying it. Let's compare real estate agents and loan agents. You usually don't have time to know so many properties. You often go to the bank to deposit money, and subconsciously feel that you are in direct contact with the bank and don't need a third person to dock. But you don't know that there are many banks in a place, and each bank has many loan products, and each loan product has different requirements for customers. Just like you want to buy a house with good ventilation, convenient transportation and beautiful scenery, but you don't know enough about the real estate in this city. What should you do? You will consider looking for a professional intermediary.
Is the loan intermediary company reliable?
1, because the bank's audit is strict, if you make a mistake in some details, you won't get the loan, and only the intermediary company will guarantee you. Furthermore, intermediary companies are familiar with the loan business of each bank and can provide you with more suitable loan business, otherwise you have to ask one bank after another. Finally, some loan business procedures are complicated, banks will not do it, and they will do it directly to intermediary companies.
2. Loan intermediaries will basically master various local loan channels and be familiar with the products and requirements of various lending institutions. Therefore, they will find a suitable channel to apply according to the actual situation of the borrower, so that the probability of passing the loan can be greatly improved.
3. Many loan customers know little about loan types, loan interest, loan requirements and so on. A survey of users of a platform shows that about 65% of users don't know what the current benchmark loan interest rate is. Before the loan, about 48% users knew nothing about their credit records, accounting for almost half of the country.
If you don't know the loan market, apply for a loan from a lending institution. If it doesn't match, the result is either rejected or the loan amount is very low. On the contrary, loan intermediaries have a more professional understanding of the loan market, so they can provide valuable advice to borrowers and find suitable loan products for borrowers.
4. Loans can't be applied immediately if you want to apply, especially bank loans, which have strict requirements for the borrower's review, including loan purposes, application filling, material preparation, etc. If the borrower does not understand the auditing standards and conditions of the lending institution, and honestly fills in the application and submits the materials, it may not pass. Loans also need to master certain skills. As far as the use of loans is concerned, ordinary banks have strict restrictions on the use of loans, and once they do not meet the requirements of banks, they will be refused loans.
5. If you are not familiar with the loan process and apply for it yourself, you will find all kinds of troubles, such as the inconsistent materials, which need to be submitted repeatedly, and it takes a lot of time and energy to run back and forth. If there is a loan intermediary, the situation may be greatly improved.
Of course, looking for a loan intermediary also needs to pay attention to these three points:
1, pay attention to find a reliable intermediary company, run more, and don't be afraid of trouble.
2. See if his formalities are complete and his documents are complete.
3. Don't be greedy for low agency fees and believe that they can apply for loans with lower interest rates.