Bank mortgage
1. Personal housing commercial loan
Personal housing commercial loans are self-operated loans issued by bank credit funds and refer to natural persons with full capacity for civil conduct who, when purchasing self-occupied housing in urban areas in this city, use the purchased property housing as collateral as a guarantee for repayment of the loan. And apply for a commercial housing loan from a bank.
2. Personal housing provident fund loan
A personal housing provident fund loan is an entrusted It refers to the employees who pay the housing provident fund and purchase, build, renovate or overhaul their housing in urban areas of this city. The housing loan.
3. Personal Housing Portfolio Loans
All borrowers who meet the personal housing commercial loan conditions also pay the housing provident fund and apply for personal. You can apply for a personal housing accumulation fund loan and personal housing commercial loan from the bank at the same time (this loan method is referred to as a personal housing portfolio loan).
2. Corporate Mortgage Loans
Enterprise loan object: all kinds of small and medium-sized enterprises, with good business conditions.
Corporate loan term: generally 1-5 years
Corporate loan amount: generally 500,000 to 1 billion yuan
basic requirements:
1. Hold a loan card issued by the People’s Bank of China and have no bad credit record.
2. The company has been registered and operated for more than 1 year, with an annual turnover of more than 3 million in the last year. The combined interest rate fee is generally between 8%-14% trust mortgage.
A mortgage trust loan means that the trustee accepts the entrustment of the trustor, and the trustee deposits the funds according to the object, purpose, term, interest rate, and amount specified by the trustee (or in the trust plan). Guarantee for trust loans. The interest rate plus fee is generally around 18% per year.
real estate trust
Real Estate Investment Trusts referred to as “REITs”, literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: Equity REITs, Mortgage REITs, and Hybrid REITs.
Pawnshop mortgage
Mortgage pawning refers to the act of a pawnee mortgaging his real estate to a pawn shop, paying a certain percentage of fees and interest, obtaining the pawn, and paying the interest, expenses, repaying the pawn, and redeeming the pawn within the agreed time limit. The combined interest plus fee is about 3% per month.
Vehicle mortgage
An auto mortgage loan is a loan obtained from a financial institution or an auto consumer loan company with the borrower’s or a third party’s car or self-purchased car as collateral. The use of loans with automobiles as collateral is mainly for automobile consumption. (Of course, cars depreciate rapidly, traffic accidents have a high probability of affecting the value of vehicles, and there are relatively few ways for financial institutions to issue loans with cars as a single mortgage.) The emergence of the car mortgage loan service platform “Yichedai” is a great opportunity for those who own private cars. Crowds offer a new avenue for short-term financing borrowing.
With Yichedai, customers can use the ownership of their vehicles as collateral to obtain short-term financing needs. It breaks through the traditional vehicle mortgage loan model and proposes a “no need to escort the car” service. The applicant for a car loan only needs to install a GPS positioning system on the mortgaged vehicle and can continue to use the vehicle after the formalities. Pledge, you will not lose face or cause travel inconvenience because your car is pledged, and you can get funds on the same day as soon as possible.
Real estate mortgage
mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial housing, and the loan bank provides the borrower with a package of financial services to meet their various needs such as the purchase of housing, parking spaces, large durable consumer goods, automobiles, and housing decoration. financial institutions in
Within the specified mortgage rate range, the borrower is given a certain credit line. Generally, financial institutions have a long cycle for loan approval and lending.
Mortgage form
A mortgage loan is divided into two types: maximum mortgage and the traditional mortgage is used to guarantee the continuous occurrence of creditor’s rights within a certain period. Different from the new mortgage system of the traditional mortgage system, it differs from the traditional mortgage system in:
(1) The creditor’s right guaranteed by the maximum mortgage is an uncertain creditor’s right;
(2) The claims secured by the maximum mortgage are usually future claims;
(3) The maximum amount of mortgage must be reserved for the maximum additional burden;
(4) The mortgage of the maximum amount is not transferred with the transfer of the main creditor’s right. Although the maximum mortgage right is more independent than the traditional mortgage, the maximum mortgage is still collateral, and its establishment method and effectiveness are not substantially different from the traditional mortgage.
