- Not all wealth management products can pledge loans. Customers need to pay attention. Although there are many kinds of wealth management products on the market at present, there are many restrictions on banks in terms of pledges that can be mortgaged to banks as property quality loans. According to the regulations of the bank, the beneficiary rights of the treasury and foreign currency wealth management products must not be executed in advance.
- Run, overdue, liquidation, benign exit... not all situations are called thunder! This article is the original work of the author of the 360 column, and it only represents the author's personal opinion. It does not represent the official position of Rong 360. Please contact the author for authorization. Recently, the online loan industry is the biggest hot spot in the domestic economy. It is hot to many irrelevant fields, and the entertainment number...
- Credit card spending SMS notifications Not all banks are free Xiaorong has several credit cards, and has opened a real-time consumption SMS notification service. I thought this was a free service, but found that the two most commonly used credit cards, CITIC credit cards have service fees, and the fee standards are different. According to Xiaorong’s understanding, 19 mainstream silver...
- Not all houses can be settled! In addition to solving the mother-in-law's marriage, the purchase of a house also has an important role in solving the hukou problem, but not all houses can be settled. 1. The house of commercial land can't be settled. Now the real estate advertisement is flying all over the sky. The name of the real estate is better than one flower...
- Not all houses can inherit As a real estate, it seems that inheritance is a natural one. However, the variety of properties in China has also created the complexity of inheriting properties. Rong 360 summarizes the following points for reference. 1. Property with ownership This type of property can be divided into separate and common...
To the customer: not all houses, can do mortgage loans!
Real estate mortgage is a good loan method. Compared with financial institutions' credit loans, real estate mortgages have advantages in terms of conditions and quotas, and interest is much lower than credit loans, but it is more troublesome to apply for loans. But a real estate mortgage is not a mortgage if you have a house.
The following 10 types of houses cannot be mortgaged:
Public welfare housing
According to relevant regulations, schools, kindergartens, hospitals, etc., public welfare facilities for public welfare purposes, whether they belong to institutions, social groups or individuals, may not be mortgaged.
Small property room
Small property houses have only the right to use, and there is no ownership granted by the real estate license. Banks naturally do not accept mortgages.
Unfinished loan house
Can a house that has already been mortgaged once again be mortgaged? At the time of the top mortgage, the bank already owns the rights to the property. The law does not allow two banks to obtain the rights to the same house. So the answer is no.
Second-hand house with too long age and too small area
Banks are harsh on the conditions of second-hand housing mortgages, mostly limited to the age and area of the house. Generally, the second-hand housing with a housing age of more than 20 years and less than 50 square meters is not allowed to be loaned.
Affordable housing under 5 years
If it is less than 5 years, it is not allowed to go public. The bank is also unable to obtain his right certificate and cannot apply for a mortgage.
Part of public housing
If you can't provide a purchase contract or a purchase agreement, or you can't provide a certificate of listing of a central delivery house, you can't make a mortgage.
Heritage preservation building
Buildings protected by cultural relics and other buildings of great significance may not be mortgaged.
Illegal buildings or temporary buildings cannot be used for mortgages.
Ownership disputed house
Houses with disputed ownership and houses that have been seized, detained, supervised or otherwise restricted by law may not be mortgaged.
House within the scope of demolition
Real estate that has been announced to be included in the scope of demolition according to law may not be mortgaged.
In other words, if you want to enjoy the bank's low interest mortgage, you can only accept the bank's conditions - there are red books, you can trade commodity housing in the market (some banks have special policies open, allow green rooms or Farmers' houses handle mortgage loans).
In order to consider the late overdue risk of the customer, if the customer does not repay the loan, the bank has the right to auction the property of the customer in the bank, and the safest and fastest way to withdraw funds is to auction, the most tradable property in the market. The real estate of the trading channel is the commercial housing.
Of course, it cannot be ruled out that other rural commercial banks or small banks have loose policies, and the real estate mortgage business accepts green mortgage loans.
The benefits of applying for a mortgage
Compared with credit loans
Bank credit loan as a pure credit credit, the customer's credit conditions are the primary reference conditions, if your credit is generally overdue in the past six months, then the credit loan amount will be greatly reduced, not only that, credit loans because there is no collateral, Through the customer's credit information to judge the customer's historical repayment situation, the risk is relatively large, so the general credit loan amount is small, and the interest is high.
The same loan, if you apply for a mortgage, the amount is basically 70% of the evaluation price. Of course, the number will be adjusted according to the applicant's credit, but the base is large, and the amount is correspondingly larger. At the same time, the loan interest is in the bank, which can be said to be a loan with a lower interest cost after the mortgage loan.
Representing work and life stability
Handling mortgages also reflects your local stability to banks and financial institutions. Life is stable and work is stable. For financial institutions, customers who are more stable locally usually deliberately relax their conditions when referring to credit information. After all, mortgages are in financial institutions, and the number of loans is 70%. As a worst-case plan, the overdue customer caused the bank to need a house auction, and the bank still had a profit of 30%.
Mortgage of real estate, first of all, there must be a room to be mortgaged, and when the property is mortgaged, the bank only recognizes the red house. Everyone knows that under normal circumstances, even if there is a full-capacity ability to buy a house, it will not do so because the mortgage loan can make use of funds. Maximize the rate. Then, if the housing prices continue to rise and the contemporary interest rate remains 18 months without falling, it means that you have a certain economic foundation and strength, but now you need another fund.
So many people will ask, is it not impossible to borrow money in a house mortgage?
A house that has not settled a loan can actually do a home mortgage.
The operational process is:
Find a lending institution to conduct an assessment - an intermediary redemption building - take out the red book for a mortgage - get the mortgage back to the foreclosure and interest portion
Then the remaining real mortgage loan is the amount of this mortgage. Many powerful financial institutions can contract a series of operations for redemption and loans without wasting your time costs.
If you have a loan problem consultation, or if you want to find a formal loan channel, pay attentionWeChat public account "credit appropriation" (xypikuan)Just!
[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: email@example.com
- Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
- Mobile Edition: To the customer: not all houses, can do mortgage loans!
- What you have to know before and after the mortgage
- Home mortgage loan essential book
- Low mortgage interest rate, you deserve to own
- In Beijing, which mortgage product are you suitable for?
- School District to buy a large classroom
- Selecting a house, buying a house, and inspecting a house
- Is it really feasible to implement “house-to-house pension” in China?
- I can still make a loan after the deadline. This old iron is amazing.
- Those who are deeply mired in online loans: Have you repaid this month?
- Registering dozens of online loan apps will affect credit reporting?
- A woman received more than 70,000 repayment notices from the bank! Senseless...
- A minute to teach you how to quickly increase the amount of online business loans?
- The 23-year-old female college student is trapped in the online loan trap.
- The net loan was collected by the door, and I used a stone to smash my glass, listen, 砰
- Want to ask for a job but get a routine, online loan scam "dressing" into job hunting training
- Borrowed 1,000, the online loan company lost him 60,000, by what?
- Will it be overdue with Alipay and credit card? You may not know this very well.
- Not a fool. Home mortgages can be up to 90%.
- Not all credit card spending has points哒
- Can the loan house be mortgaged?
- Can a house with a loan be mortgaged?
- How much can a mortgage be mortgaged?
- How much can a home mortgage loan?
- Loan company sold mortgage house police cracked fraud case
- Characteristics of Harbin Bank's “Gangdaojia” Home Mortgage Loan Products
- What are the mortgage conditions for real estate?
- What is a personal property mortgage?