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What does mortgage loan mean?

Questioner: REN*** City: National Tag: Mortgage loans Question Time: 2013-06-05 10:37
Mortgage LoansWhat is the mortgage mortgage loan mortgage? ?
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  •                             Manager DengCredit Manager Service area: Foshan
    2013-06-07 23:36
    Mortgage LoansIt is the home buyer who mortgages the purchased home and provides the staged guarantee for the real estate company that purchased the house.Personal housing loanbusiness. The so-called mortgage refers to the mortgagor's mortgage transfer of real estate property rights, and the beneficiary as the guarantor of loan repayment. After the mortgagor pays off the loan, the beneficiary immediately transfers the mortgagor of the house property involved, and the mortgagor enjoys the right to use in the process.
  •                             Well managerCredit Manager Service area: Zhengzhou
    2013-06-07 18:01
            Hello, so calledMortgage Loans  It means that you have to pay part of the payment first, and you need to pay for the remaining installments. The price for buying a car is more than 70,000. The down payment is usually about 40%, the time is between 1 and 3 years, and the price for buying a house is usually 40% of that for a state-owned enterprise. % or so, longest loan for 30 years, thank you
  •                             Manager CaoCredit Manager Service area: 邯郸
    2013-06-07 10:32
            Car and house mortgage can be done for more than one yearMortgage Loans(free of charge)
  •             Enthusiastic net friend
    2013-06-06 15:14
            Bank mortgage refers to an individual who purchases a home due to lack of self-owned funds, after paying the initial payment, using his real estate as a mortgage, borrowing money from the bank to pay the balance, and paying the interest according to the agreed time and repayment schedule. loan serviceBank loanThe approval process is as follows (for reference): 1. Application for loan: 1. Basic conditions of the borrower and guarantor; 2. Financial report for the previous year approved by the financial department or accounting (audit) office, and the financial report for the previous period of the loan application 3. The correction of the original unreasonably occupied loan; 4. The collateral,PledgeList of items and the consent of the person with the right to dispose of the mortgage, the proof of the pledge and the guarantor intends to agree to guarantee the relevant proof; 5, project proposal and feasibility report; 6, credit cooperatives need to provide other relevant information; Second, credit rating assessment The credit unions assess the borrower's credit rating; third, the loan investigation, the credit union investigates the borrower's legality, safety, profitability, etc.; 4. loan approval, credit agency separation, graded approval The loan management system is used for loan approval; V. The contract is signed, and the credit agency signs a loan contract with the borrower; 6. The loan is issued, and the credit union issues the loan on schedule according to the loan contract; 7. After the loan is checked, the credit agency executes the loan for the borrower. The situation of the contract and the borrower's operation were followed up and checked. VIII. The loan was returned and the loan was due. The borrower repaid the loan principal and interest on time and in full.
  •             Enthusiastic net friend
    2013-06-06 12:47
            The correct name of bank mortgage is purchaseMortgageIt is the homeowner who uses the property rights of the purchased home as a mortgage. The bank first pays the house payment to the developer. Afterwards, the home buyer pays the principal and interest in monthly installment to the bank. The bank loan is usually from 50% to 80%. 1 to 30 years. Bank mortgage is the most effective means to promote the active real estate market. As a mortgage loan, there is a risk for the bank itself. In terms of the global financial risk caused by the butterfly effect of the US subprime mortgage in the first quarter of 2007, the financing method of mortgage is partly determined by the market conditions of the housing market. When the market interest rate rises and the housing market is in recession, the lender's repayment Capabilities are likely to be affected, and banks are also facing a huge credit risk. When risk accumulates to a certain degree, there is a possibility that one day, a huge financial risk will be brewed. The practice of raising the proportion of down payment for mortgages by some commercial banks in September was partly due to the prevention of this risk.
  •             Enthusiastic net friend
    2013-06-06 14:47
    Mortgage LoansMortgage loan Mortgage loan is a mortgage payment by the purchaser and the real estate company that purchased the house provides phased guarantee.Personal housing loanbusiness. Mortgage loans are the most concerned about the conditions and procedures, first of all to apply for mortgage loans: 1, the applicant's and spouse's ID, account originals and copies of 3 copies (if the applicant and spouse do not belong to the same account Attach a proof of marriage relationship). 2, the original purchase agreement. 3. One copy of the original and copy of the advance payment of 30% or more of the room rate. 4. Applicant familyProof of incomeMaterials and related asset certificates, etc., including payroll,Personal Income TaxTax receipts, proof of income issued by the unit, bank deposits, etc. 5, the developer's collection account number 1.
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