Although housing prices are high now, for some people, buying a house is a rigid demand, so even if they borrow money, they will buy a house. Due to the change of national policy and the tightening of bank loan quota this year, many people's mortgages were rejected because they did not meet the requirements. Can they find a guarantee company if they can't approve it? How?
Can I find a guarantee company if the mortgage is not approved?
When you have nothing to do, you can choose a guarantee company, which is a trading method allowed in China.
Housing home purchase guarantee refers to a civil legal act of applying for housing loan for the borrower, signing a guarantee contract with the lender and providing joint and several liability guarantee when the borrower (purchaser) cannot meet the requirements of the lender (bank) to provide guarantee.
Therefore, when the mortgage is not approved, you can ask the guarantee company for help. If you need a commercial house as a mortgage, you will charge a certain guarantee fee.
How much does the guarantee company charge?
The charging standards of each company are different. The general situation is as follows: (service fee+evaluation fee+agency fee)
1, guarantee service fee = loan amount × loan term ×0.75‰- provident fund loan amount × 1.5 ‰ (guarantee fee supplement).
2. Appraisal fee, around 300 yuan, needs to be appraised by an appraisal company recognized by the institution.
3. Accompanied by a professional agent, go to the trading center to go through the mortgage registration procedures of the relevant housing loan business and get the real estate license. The agency fee is around 300 yuan.
To sum up, when you usually choose a guarantee company, you must pay attention to check whether it has formal qualifications. The sources of funds of guarantee companies are mainly obtained through government budget funds, asset allocation and key real estate enterprises, and they have reliable strength guarantee in the ability to undertake guarantee responsibilities.