Information > General articles > Raiders Channel > Mortgage >  text

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 for 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 can take a year or so to complete it. 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 housing 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 for the type of housing, shops, office buildings, etc. normal housing. So if the mortgage house you provide is not a “grandmother,” you really want to shop around to see who can “see it 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.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • There are these pits for agency credit cards. Do you know?  Because no work, no income can not handle credit cards. The salesperson who found the agent’s credit card wanted to do a credit card but was defrauded for 10,000 yuan. In this case, Card sister has already heard many cardmates. Are you still convinced that charge d'affaires? ▶ Charge d'affaires with a credit card to make money. A lot of...
  • Did not grab the national debt? You can also have these choices With the continuous explosion of P2P and offline wealth management platforms, the risk appetite of the entire wealth management market is declining. Treasury bonds, which were less frequently concerned by ordinary investors, have recently been sold out after they have just been sold. In addition to national debt, what else is currently in the market...
  • The Three Myths of Novice Entry in the Home Mortgage Loan Market  Mortgage loans, in the eyes of many, are life-saving straws when they are caught in an economic crisis. However, many newcomers to the loan will go into some misunderstandings in the process of understanding the loan. Here, financial 360 Xiao Bian summed up the following three points Raiders for the majority of borrowers reference, together ...
  • Two Mistakes of Unsecured Loans How Much Do You Account?  Unsecured loans, just touching names are enough to ignite people's excitement, and they have found the fire of hope and the light of hope in the situation of homelessness loans. But in the course of the loan, we found that people are unsecured loans...
  • Unsecured loans were defrauded by 600,000 yuan in seconds  No mortgage, no guarantee, application on the same day, lending on the same day. In newspapers or on the Internet, the advertisements of such loan companies seem very exciting, but there are often hidden pitfalls behind them. Recently, the two citizens of Liuzhou have fallen into the unsecured loan scam one after another and lost a total of RMB 600,000. Yesterday, Liu...