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For home mortgage loans, 60% of people have these misunderstandings!

Time:2017-05-02         Source: Financial 360 finishing         Author: Nanshan

In the face of financial problems in life, we may prefer loans. In the face of various loan products, we will also look at the actual situation. If there are houses or cars under the name, many people will chooseMortgage.

However, for some novices who have never loaned money before, because they do not know much about mortgage loans, they are often prone to misunderstandings. the followingFusion 360Xiaobian (chuqiankuai) introduced home mortgage loans as an example.Loan misunderstanding.

One, can only mortgage their own property

Many people dismissed the idea of ​​a home mortgage loan application because they had no real estate under their name. In fact, according to the real estate mortgage loan policy, as long as the consent of the owner of the house, the borrower to apply for a loan with the property of another person's name is also not a bad idea.

Second, there may be no place to live

Many people feel that homes are mortgaged to banks onceThe loan is still not onIt is very likely that it will immediately be auctioned to cover the debt, leaving the mortgagee instantly vulnerable to homelessness. Can reality be as cruel as you think?

Not necessarily. We have already said that we have to go and go. We can say that there are only a few mortgage rooms sold and sold. The reason for this is that since the debt is still not paid to the housing auction, it will take about one year to complete. Specifically, overdue repayments will take about half a year before the bank will abandon the dunning and file a lawsuit with the court, and it will be a six-month wait to bring the lawsuit to court. Therefore, as long as the borrower pays off the monthly mortgage and interest before the auction, basically you will not be homeless.

Third, the listing of real estate can apply

As we all know, real estate that cannot be listed and traded, because of its weak liquidity, it does not qualify as a home mortgage loan. Does this mean that real estate that can be listed and traded can satisfy the application conditions?

Not necessarily. Because the risk control measures of the lending institutions are not the same, some pay more attention to the housing lots and favor the houses that are located in the center of the city. Some of them are valued by the type of housing. Shops, office buildings, etc. normal housing. So if the mortgage house you provide is not a “grandmother,” you really have to shop around to see who can “look right” with it.

For the novice, the three major mistakes mentioned above, we must pay attention to, before the loan still have to do more to understand, and to choose a reliable loan agency is also very important.

   Urgent money? We have reviewed hundreds of micro loan products! Concerned about the WeChat public account number "exchanging money" (ID: chuqiankuai), replying to "emergency money", no longer afraid to borrow money.

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