Does personal housing mortgage loan belong to bank credit business? Current new real estate policy. ...

1. Is the personal housing mortgage loan a bank credit business? The current new real estate policy ...

What are the risks? . If the bank gives you money, he will take risks and control them. The bank lent you money only to pay interest, not your house. Unless you don't pay back the money maliciously. The bank will auction your house at a low price.

2. What are the risks of mortgage loan?

The risks of mortgage loan are: 1. Default risk, including compulsory default and rational default; 2. Liquidity risk, that is, the risk that short-term funds and long-term loans are difficult to realize; 3. Economic cycle risk, that is, the risk caused by periodic fluctuations in the overall level of the national economy; 4. Interest rate risk, that is, the risk brought by the change of interest rate level to the value of bank assets. According to the provisions of Article 410 of the Civil Code, if the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the collateral or give priority to compensation with the price of auction or sale of the collateral. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the mortgagee to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.

3. What are the risks of business license mortgage loan?

The risks are: First, grasp the market risks. The second is to grasp the risks of customers and projects. The third is to grasp the interest rate risk. Enterprise mortgage loan refers to enterprises as collateral, and the channels for obtaining loans are generally rough banks and trust companies.

Extended data:

Mortgage loan/securities loan

The first is to grasp market risks. The loan term is long, there are many uncertain and unpredictable factors, the economic development cycle and the real estate market cycle change, and the borrower overestimates the value of the collateral or gives the mortgage project with unsatisfactory market rental and sales to the bank, which may lead to insufficient mortgage, and the project rental price and rent affect the loan security. Therefore, we must truly and objectively evaluate the market value of collateral, strictly use loans, improperly distribute profits and reduce owners' rights and interests.

The second is to grasp the risks of customers and projects. The loan object must have high credit rating and development qualification, good financial status, excellent commercial real estate development performance or rich property management experience, investment attraction ability and market cultivation and operation ability. In principle, the property is located in downtown areas such as downtown business district and central business district, and has been put into operation for some time, with high occupancy rate and operation.

The third is to grasp the interest rate risk. Pay attention to the influence of inflation rate and market interest rate changes on the real interest income of operating property mortgage loans. Fourth, do a good job in project rental and sales, accurately estimate the project, carefully supervise the project funds, formulate a scientific and reasonable repayment plan, and effectively control and resolve the loan risk.

Mortgage advantage

(1) The loan is flexible. Mortgage loan solves the problem of difficult supervision of loan use in real estate enterprises. For self-built properties, it can be used to replace debt funds and self-owned funds that exceed the prescribed proportion of project capital, that is, to replace the self-owned funds belonging to real estate enterprises, which can appropriately reduce the supervision of banks on the use of self-owned funds of enterprises.

(2) Mortgage loan, the loan term is generally 65,438+0 years, and the longest loan term can reach 65,438+00 years, so enterprises can obtain long-term and stable funds.

(3) The repayment method is flexible, which reduces the financial management expenses of enterprises. The repayment plan can be arranged reasonably according to the capital arrangement of the enterprise and the cash flow of the operating property. The repayment source of operating property mortgage loan is the stable cash flow of operating property, and all property rents are supervised to the corresponding banks, which ensures the timely disbursement of loans and financial management costs, and minimizes the repayment pressure of enterprises.

(4) The operation is simple, which can solve the financing problem of enterprises. Operating real estate mortgage loan is simple. All operating properties with cash flow during the main loan period (namely, the first repayment source and the second repayment source) can operate the mortgage loan business of operating properties, and enterprises can easily obtain bank loans.