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What does mortgage loan mean?

Questioner: REN*** City: National Label: Mortgage loan Question Time: 2013-06-05 10:37
Mortgage LoansWhat is the mortgage loan mortgage loan mortgage? ?
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  •                             Manager DengCredit manager Service area: Foshan
    2013-06-07 23:36
    Mortgage LoansIt is the real estate company that purchases the house with the purchased house as the mortgage and the house purchased by it provides the stage guarantee.Personal housing loanbusiness. The so-called mortgage means that the mortgagor transfers the property right mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved in the mortgagor. In the process, the mortgagor has the right to use.
  •                             Well managerCredit manager Service area: Zhengzhou
    2013-06-07 18:01
            Hello, so-calledMortgage Loans  Is to pay a part, the remaining installment payment, the car needs to pay more than 70,000, the first payment is generally about 40%, the time is 1 to 3 years, 40% of the general business to buy a house, 25 to 30 of the state-owned enterprises % or so, the longest loan is 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 friends
    2013-06-06 15:14
            Bank mortgage refers to a kind of personal repayment of the principal and interest when the individual purchases the house due to insufficient funds, after paying the first installment, using the real estate as the collateral, and paying the balance to the bank. loan serviceBank loanThe approval process is as follows (for reference): 1. Application for loan: 1. Basic information of the borrower and the guarantor; 2. Financial report of the previous year approved by the financial department or accounting (audit) office, and the financial report of the previous period of the loan application. 3. Correction of the loan that was originally unreasonably occupied; 4. Collateral,PledgeThe list of goods and the consent of the decentralized person to pledge, the proof of pledge and the relevant evidence that the guarantor intends to agree to the guarantee; 5. Project proposal and feasibility report; 6. Other relevant information that the credit cooperative thinks need to be provided; 2. Credit rating assessment The credit cooperatives evaluate the credit rating of the borrower; third, the loan investigation, the credit cooperatives investigate the legality, safety and profitability of the borrower; Fourth, the loan approval, the credit union separates according to the trial loan, and the grading approval The loan management system carries out loan approval; Fifth, the contract is signed, the credit cooperatives sign the loan contract with the borrower; 6. The loan is issued, and the credit cooperatives issue the loan on time according to the loan contract; 7. After the loan is checked, the credit cooperative performs the loan on the borrower. The contract situation and the operation of the borrower shall be tracked and inspected; 8. The loan shall be returned, the loan shall expire, and the borrower shall repay the principal and interest of the loan in full and on time.
  •             Enthusiastic friends
    2013-06-06 13:20
            The term “mortgage” was originally a local dialect and is more common in Hong Kong, Macao and Taiwan. From the end of the 1980s to the present, it has gradually seen from the south to the north. Apart from the Hong Kong Special Administrative Region, there is no mortgage requirement in Chinese law. Before Hong Kong's return to the motherland, Hong Kong's provisions on mortgages were divided into two categories: broad and narrow. A broad sense of mortgage refers to any form ofPledge(Pledge is the mortgage of movable property) and mortgage; narrow mortgage refers to the transfer of real estate to the name of the lender, all the loans are paid off, and then the real estate is transferred back to the borrower (mortgage). There is a certain difference between the mortgages stipulated in the Urban Real Estate Management Law and the Guarantee Law and the mortgages in Hong Kong, that is, the definition of mortgages by these two laws is conditional on not transferring possession. “Mortgage” has two meanings: real estate mortgage and installment repayment. It refers to a loan method issued by a bank to a natural person with full civil capacity to purchase a self-occupied house and use the purchased property house as collateral as a guarantee for repaying the loan and repay the principal and interest of the loan on a monthly basis. Personal housing commercial loan (referred to asCommercial loans) and individualsHousing provident fund loan(referred to as provident fund loans).
  •             Enthusiastic friends
    2013-06-06 12:47
            The correct name for a bank mortgage is to buy a house.MortgageThe purchaser shall use the property rights of the purchased house as the collateral, and the bank will first pay the ward to the developer. Afterwards, the purchaser will pay the principal and interest to the bank on a monthly basis. The number of bank mortgages usually ranges from 50% to 80%. 1 to 30 years. Bank mortgages are the most effective means of promoting the activeness of the real estate market. As a mortgage, a mortgage has its own risks. In terms of the global financial risks caused by the butterfly effect of the US subprime mortgage in the first quarter of 2007, due to the financing method of mortgage, it is partly determined by the market conditions of the housing market. When the market interest rate rises and the housing market is depressed, the lender repays. Capabilities are likely to be affected, and banks are facing huge credit risks. When the risk accumulates to a certain extent, it is possible that one day, a huge financial risk will be issued. The practice of increasing the proportion of mortgage down payment for some commercial banks in September is also partly due to the prevention of this risk.
  •             Enthusiastic friends
    2013-06-06 14:47
    Mortgage LoansMortgage loan is a phased guarantee for a real estate company that purchases a home and mortgages the purchased home.Personal housing loanbusiness. Among the mortgage loans, people are most concerned about the conditions and procedures. Firstly, the information required for the mortgage loan is required: 1. The identity card of the applicant and the spouse, the original of the account and 3 copies (if the applicant and the spouse do not belong to the same account) Attached to the marriage relationship certificate). 2. The original purchase agreement. 3, the original and a copy of the prepayment receipt of 30% or more of the price. 4. Applicant's familyProof of incomeMaterials and related asset certificates, including payroll,Personal Income TaxTax returns, income certificates issued by the unit, bank deposit receipts, etc. 5. One copy of the developer's account number.
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