What are the rent loans in housing trusteeship?

What are the problems of rental loans in housing custody centers? For example, if we give all the rental loans to the escrow company, this behavior is very unreasonable, and if the escrow company takes the money and runs away at that time, you may be fooled. As for the renter and the escrow company, a rent-loan relationship has been formed between them, and the escrow company will use the other party's payment cycle to bring preferential treatment, and it will also bring convenience to the company that introduces the loan, and this low-threshold product will definitely attract many tenants.

Because the tenants certainly don't have a lot of cash on hand, not to mention that they basically don't use cash much now, so the tenants will like to do it in this way, which contributes to the success of the transaction between them. The form between them is equivalent to going in and out with the hosting company, or the hosting company will get a lot of houses if they give in a little. After packaging itself, it will be rented out to the outside world and reused between the recovered funds, and it can also be reused.

However, any kind of conflict is relatively large, it will cause strong conflicts among everyone, and these things are the most direct impact between the owner of the property and those tenants. It is possible that one of them cannot get a house, and the other has no place to live, but the least afraid may be the custodian company, if the real microcomputer outbreaks, the custodian company will not be able to run away, and the loan company can control those bad books if there is a problem with the mortgage. <>

When we work outside, we may face the problem of renting a house, but there are many hosting companies whose rise is directly making some tricks to develop. In fact, if you want to avoid the rental loan in the housing escrow, we can directly find the landlord when renting the house, avoid the rental loan in the housing escrow, and there will be less black intermediaries for those second landlords.

Hidden terms, high interest rates, etc. There are many hidden terms in the rental loan, such as intermediary fees, loan time, loan interest, etc., and you will be deceived if you don't pay attention; The interest rate is much higher than going directly to the bank for a loan, and if there is a default, you have to go to the credit report.

First, the housing custodian agency signs a long-term rental agreement with the landlord, and then subleases the rented house to multiple consumers without the landlord's knowledge; Second, some housing trustees use methods such as "collecting houses and renting them at low prices" and "collecting rents from tenants for one year and paying the landlord for three months". Third, some housing trustees provide "rental loans" to consumers, inducing consumers to use financial services in the case of information asymmetry.

This is one of the consumer loans, which is equivalent to you getting some funds from the loan company, and then you will take advantage of some preferential policies, and at the same time, you will also introduce a lot of cost-effective loan products, and then you will trade.

There is no transparency between landlords and consumers, and some housing trustees provide "rental loans" to consumers, inducing consumers to use financial services in the case of information asymmetry.

Generally, first-time home buyers are mostly young and have relatively weak financial means, so you should try to choose a bank with a low interest rate when taking out a loan. The interest rate of provident fund loans is lower than that of commercial loans, if possible, try to make good use of provident fund loans, and you can choose the combination loan model of "provident fund + commercial loan".

In terms of repayment methods, equal principal repayment, although the early repayment pressure is greater than that of equal principal and interest, but in the long run, equal principal is still more interest-saving, and buyers who intend to repay in advance can choose; Equal principal and interest is suitable for ordinary salaried people with stable income, if you cannot bear the high pressure of equal principal repayment in the early stage, it is best to choose equal principal and interest repayment.

If you apply for a loan at China Merchants Bank, the loan interest rate needs to be comprehensively priced based on the business type, credit status, guarantee method and other factors you are applying for, and can only be determined after the approval of the outlet. If you are currently interested in information on the benchmark interest rate, please open the following **.

Find out.

Before you go for a loan, you must have signed a "house purchase contract". Buyers should pay attention to the contract when making the payment.

The inner table is clearly agreed, and the payment later than the agreed time (including the bank loan) means that the buyer is in breach of contract and must bear the liability for breach of contract. Therefore, if you go to the bank later, the corresponding time for the final loan will be later. The bank's workflow time is not something you can control.

Think about it.

In order to ensure that the lender has the strength to repay the loan. When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend directly to the individual, but requires the borrower to find a third party (a guarantee company or a qualified individual) to guarantee it.

Under normal circumstances, there is no need for a guarantee company, before the real estate certificate comes out, in order to protect its own rights and interests, the bank is responsible for the guarantee in the early stage after signing the purchase contract (the developer needs to pay a certain percentage of the deposit, in case some owners break the supply and affect the quality of the bank loan); Unless the developer's qualifications are too poor, it needs to be guaranteed by a guarantee company.

Under normal circumstances, there is no need for a guarantee company, before the real estate certificate comes out, in order to protect its own rights and interests, the bank is responsible for the guarantee in the early stage after signing the purchase contract (the developer needs to pay a certain percentage of the deposit, in case some owners break the supply and affect the quality of the bank loan);

Unless the developer's qualifications are too poor.

A guarantor company guarantee is required.

Another situation is or now the bank has a type of loan, the developer usually gives a certain discount to the customer who makes a one-time payment, and the bank first issues a loan to the owner in the early stage for such a discount.

Together with the owner's down payment, it is paid to the developer in a lump sum.

The developer gives the owner a preferential discount.

However, for such customers, the developer does not bear the risk of the owner cutting off the mortgage before the real estate certificate comes out, so the bank needs to find a guarantee company to help you guarantee it.

Just in case you cut off your payment before the title deed comes out.

What kind of situation do you belong to?

It's best to ask the developer for clarity.

1. The Ministry of Construction of the People's Republic of China and the People's Bank of China jointly issued the Trial Measures for the Administration of Housing Purchase Guarantees. At present, when issuing personal housing loans, banks can choose from several types of guarantees, mortgages and pledges.

2. The Housing Guarantee Company is an innovative product that adapts to the above-mentioned housing loan guarantee methods. According to the Measures, housing purchase guarantee refers to a civil legal act in which the borrower (home buyer) is unable to meet the requirements of the lender (bank) to provide a guarantee contract with the lender for the borrower to apply for a housing loan, and to provide joint and several liability guarantees.

When the borrower applies for a guarantee, the guarantee company charges the borrower a certain amount of guarantee fee, and at the same time requires the borrower to use the purchased commercial house as collateral. If the borrower is unable to repay the bank loan owed on time due to specific reasons, the guarantee company shall be jointly and severally liable for the repayment of the loan.

3. Among the subjects of the legal relationship involved in the personal housing purchase guarantee loan, the bank, the guarantee company and the home buyer are the legal relationship between the lender, the guarantor and the borrower, that is, the guarantee company provides a guarantee for the repayment of the home buyer's loan with free assets. The funds of the guarantee company are mainly obtained through budget funds, asset allocation and backbone real estate enterprises, and it has a reliable strength guarantee in terms of its ability to bear the guarantee responsibility. The guarantee ability of real estate developers is affected by many objective factors, on the one hand, the operating conditions of real estate developers will affect their creditworthiness, on the other hand, real estate developers are willing to provide periodic guarantees for customers' loans, mainly to promote sales, if real estate developers can not operate stably for a long time, the bank will face great risks.

Therefore, the involvement of guarantee companies in housing consumer loans can effectively solve the problem of insufficient customer credit encountered by banks in the process of implementing consumer loans.

4. For home buyers, the loan guarantee can first get a lot of protection rights, and secondly, it can also simplify the procedures and save costs, which can undoubtedly attract more customers and promote the further development of the housing loan business. The guarantee provided by the guarantee company not only strengthens the guarantee mechanism of bank housing loans, promotes the development of bank loan business, but also meets the objective needs of citizens to buy houses.

The title deed is guaranteed by the bank, the guarantor company, which is responsible for guaranteeing

Because personal loans are relatively difficult to pass, this kind of loan also has certain risks, so it is not recommended.

I haven't done this in so many years.

The company is also going to pull the water.

Is there any local policy?

You ask a few more to try.

Because it will be easier for buyers to get a loan with a copy of their business license, the probability of a real estate consultant closing is greater.

Yes, the process for home buyers to apply for a home mortgage is as follows:

1 Choose a property.

If you want to get mortgage services, you should pay attention to this aspect when choosing a property. When home buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm that the properties developed and constructed by the developer have obtained the support of the bank to ensure the smooth acquisition of mortgage loans.

2 Apply for a mortgage loan.

After confirming that the property they choose is supported by the bank's mortgage, the homebuyer should learn about the bank's regulations on the homebuyer's mortgage loan support from the bank or the law firm designated by the bank, prepare the relevant legal documents, and fill in the "Mortgage Loan Application".

3. Sign the purchase contract.

After receiving the mortgage application and relevant legal documents submitted by the homebuyer, the bank will issue a notice of consent to the loan or a letter of commitment for the mortgage loan to the homebuyer after reviewing and confirming that the homebuyer meets the conditions of the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its first businessman.

4. After signing the house purchase contract and obtaining the proof of payment of the house price, the home buyer shall hold the relevant legal documents stipulated by the bank.

Sign a mortgage loan contract with the developer and the bank to specify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.

5. Mortgage registration and insurance.

Home buyers, developers and banks should go through the mortgage registration and filing procedures with the real estate management department with the Mortgage Loan Contract and the house purchase contract. For off-plan properties, the mortgage registration should be changed after completion.

Under normal circumstances, due to the relatively long term of mortgage loans, banks require home buyers to apply for life and property insurance in order to prevent loan risks. When purchasing insurance, the buyer should list the bank, the first beneficiary, within the payment performance period.

The insurance must not be interrupted and the insured amount must not be less than the total value of the collateral. The insurance policy is placed in the custody of the bank until the principal and interest of the loan are repaid.

6 Open a dedicated repayment account.

After signing the Mortgage Loan Contract, the home buyer shall open a special repayment account at the financial institution designated by the bank in accordance with the contract, and sign a power of attorney authorizing the institution to pay the loan principal and interest and arrears of the bank in connection with the mortgage loan contract from the account.

After confirming that the home buyer meets the mortgage loan conditions, fulfills the obligations stipulated in the Mortgage Loan Contract, and goes through the relevant procedures, the bank will transfer the loan to the bank supervision account opened by the developer in the bank as the purchase price of the home buyer.

The developers will do it. All you need to do is pay the down payment and the deed tax, stamps, public repairs**, etc.

You can let the developer open a certificate, and then go to the provident fund to borrow a loan, borrow the loan and get the real estate certificate, and then mortgage the real estate certificate to the provident fund, and you can get it back after paying off the loan real estate certificate, and the same is true for the bank loan, I wish you happiness!

Whether you are a home loan or a mortgage, if the house loan is naturally taken out before the house is in hand, if the house mortgage is used for other purposes, you must take the real estate certificate as collateral, but the house is not completely yours before your home loan is paid off, there should be some restrictions.

It should not be, you can negotiate with the developer to see if they can handle it.

Mortgage application: The required information is as follows:1

Buyer's ID card, household registration book, marriage certificate or unmarried certificate, 2Proof of the employer's employer for the purchaser and his/her spouse. 3.

Original down payment. 4.Contract for the purchase of the house.

A letter of agreement for a current passbook (which is the lender's).

You can go to the center and ask. They will help you. Because you're going to buy a house!