Lease contract lease term lease loan

Can the mortgage time be changed? What does rental loan mean?

Can the mortgage time be changed?

The repayment period of mortgage cannot be changed directly, but it can be reduced after partial prepayment at the bank counter. Partial prepayment means that when you have money, you can immediately repay tens of thousands of yuan at the bank counter. After repaying the loan in advance, there are two main options: the repayment period remains unchanged and the monthly repayment amount decreases; The monthly repayment amount remains unchanged, and the repayment period is reduced. Choosing the second method can change the loan term.

What are the key requirements for the loan period of mortgage loans?

1, no more than 30 years. Generally speaking, the longest loan period of mortgage is 30 years. No matter whether the mortgage loan is used to buy a new house or a second-hand house, the loan period shall not exceed 30 years.

2. The sum of the age of the applicant and his/her spouse or * * * the same applicant and the period of applying for a loan is generally not more than 5 years after his/her statutory retirement age, and the loan period is calculated as the shorter one. For example, Mr. Chen's age range is 36, and his wife's age is 35. Then, calculate the loan term according to Mr. Chen's age. At present, the retirement age of male workers is set at 65, so they can apply for mortgage loans for up to 29 years.

3. The loan term shall not exceed the remaining legal service life of the house. Houses also have a service life. The current service life of the house is 70 years.

What does rental loan mean?

Lease loan means that the lessee signs a loan contract with the cooperative bank of the pension real estate company on the premise of signing the lease term with the company. Generally, the financial enterprise pays the annual rent for the tenant, and the tenant settles the rental loan to the financial enterprise on a monthly basis, and the corresponding loan interest rate is generally managed by the pension real estate company.

How does the lease agreement pay the rent?

1, so is the time to pay the rent. Both parties should clearly agree on the time of paying the rent in the contract and describe it with a clear time node. Short-term lease, generally pay the rent at the end of the lease; For long-term lease, the rent shall be paid by annual, monthly or quarterly installments. Whether it is a lump sum payment or installment payment, there should be no doubt that the payment time should be established.

The time limit for rent payment is clear. First of all, we must respect the defendant's idea that the parties should negotiate clearly; Secondly, when the mediation is refused or the mediation is unsatisfactory, the repayment standard is adopted, that is, it is generally paid at the expiration of the lease term.

2. Pay the rent standard. The basis for considering the rent level is: if the state has unified regulations, it should be clear according to the unified requirements; if there is no unified regulations, it should be negotiated by both parties. Then, if the lessor passively uses the lessee, that is, it is urgent or inexperienced, and confirms that a very high amount of rental funds far exceeds the extent permitted by laws and regulations or is obviously unreasonable to the lessee, the lessee can think to the relevant departments that the lessor's capacity for civil conduct has been revoked, making its behavior invalid from the beginning.

3. The way to pay the rent. According to the different payment intervals, it is divided into monthly payment, quarterly payment, semi-annual payment and annual payment. According to the different amount of each payment, it can be divided into equal rent payment and unequal rent payment. It can also be divided into initial rent payment and final rent payment.

4. Deduction of rent. If the rent standard is valid, the lessee shall pay the rent on time and cannot refuse to pay or default without reason. If one party is in doubt about the rent specification, it shall pay according to the original rent specification before negotiating the new rent specification. If the lessor refuses to accept it, it shall not be regarded as refusal to pay or default on rent. If the lessor fails to decorate the leased property for a long time and the lessee's rights and interests are infringed, on the one hand, the lessor should be ordered to pay the rent, on the other hand, the lessor should also decorate the leased property to safeguard the lessee's legitimate rights and interests.

What does rental loan mean?

The so-called "rental loan" means that tenants sign loan contracts with financial institutions that cooperate with enterprises while signing leases with long-term rental apartment enterprises. Generally, the financial institution pays the annual rent for the tenant, and the tenant pays off the rental loan to the financial institution on a monthly basis, and the corresponding loan interest is generally paid by the long-term rental apartment enterprise.

I. The credit information system of the People's Bank of China includes the basic database of enterprise credit information and the basic database of personal credit information.

1. The basic database of enterprise credit information was launched on 1997, and was inquired nationwide in July 2006. By the end of 20 14, the database contained more than 10000000 enterprises and other organizations, among which the construction of the basic database of personal credit information for more than 60000000 households with credit records began at 1999. By the end of August 2005, the network operation with all commercial banks and some eligible rural credit cooperatives in China was completed, and in June 2006 1. As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

3.2065438+In April, 2009, a new version of personal credit report was launched, and the default of water fee may also affect his personal credit. /kloc-in June, 2009, China established the largest credit information system in the world. On June 5438+1October 65438+1October 9, 2020, the Credit Information Center provided the second-generation format credit report inquiry service for the public and financial institutions.

Second, the advantages of credit reporting

1, saving time

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.

2. Easy to borrow money

As the saying goes, "it's easy to borrow, but it's hard to borrow again." If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.

3. Credit reminder

If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

Strictly control "rental loans" in many places. What is a "rent loan"?

Rental loan means that the renter signs a loan contract with a financial institution that cooperates with a long-term rental apartment enterprise. After signing the contract, the lessee's annual rent will be paid in advance by the cooperative financial institution, and the lessee will repay it to the financial institution every month, but the financial institution will charge the lessee extra rent interest. In short, financial institutions lend money to tenants to help them pay rent. However, unlike ordinary bank loans, the interest on lease loans is determined by lending financial institutions. As a result, many tenants were cheated after borrowing rent loans and were cheated by financial institutions.

When you go to a regular bank to use a credit card loan, the interest charged by the bank every month is transparent and will not overcharge customers for no reason. It is much safer than the rental loans issued by rental financial institutions for customers, and the repayment pressure is small. And those so-called rent loans are just the opposite. In order to earn more money from customers, many lending financial institutions raise a lot of interest in the interest part of the contract, in order to earn more money from tenants. Why do people choose these rental lending institutions with such high interest rates? These financial institutions also take this into account, so their means of attracting customers is to lend much higher loans than banks. Many tenants are tempted by such a high loan amount, but they ignore the most important interest issue. The more money you borrow, the more interest you have to pay. Your living standard has not improved, but the pressure of life is getting bigger and bigger.

Therefore, more and more regions crack down on financial institutions that lend rent, strictly control their scams, and prevent young people who are not deeply involved in the world from being taken in and bearing a lot of debts. Most young people who have just graduated from school and entered the society to work hard don't have much money. Renting a house is their best choice. Renting a quiet and cheap house can make their lives more stable, but if they accidentally enter a dirty loan financial institution, they will be cheated out of a lot of money and make their lives worse.

Therefore, when we don't have enough funds to rent a house, we must go to a regular bank to handle credit card loan services, and we must not be deceived by the high loans released by financial companies that lend rent. Most of these financial institutions are after our money. We made a mistake when we thought they came to relieve the pressure of our lives. So if you need a loan, you must keep your eyes open and don't enter a full set of "black-hearted" companies.

Financing channels of Wanda Group

1. Bank funds Wanda Group relies more on the use of bank funds. From the analysis of Wanda's development projects, the loan types include: land mortgage loan. Development loan. Asset mortgage loan. Capital loan. Use lease mortgage loans and bank loans in different places. Wanda Group maintains good relations with domestic banks. Deep cooperation. The Financial Department of the Financial Management Department of the Central Bank also listed Wanda as a national pilot enterprise for real estate financial reform and enjoyed the "green loan" channel. You don't need to approve a single loan within 500 million yuan, you can approve it in two or three days. This kind of financial recognition and support is unique in China's real estate industry. Wanda has cooperated with Bank of China alone. China Construction Bank. China Agricultural Bank has signed the agreement of "General to General Letter of Credit". The so-called "total-to-total credit" means that commercial banks sign credit agreements with enterprises. After the signing of the agreement, enterprises will no longer need to perform the existing credit approval procedures step by step for loans in branches of commercial banks. Wanda was the first enterprise in China to try to operate mortgage loan in 2002. In 2003, the bank launched mortgage loan business with banks such as Bank of East Asia. Wanda was passive at that time. At that time, domestic banks refused to lend By the end of 2005, the four major state-owned banks had started this business. As collateral, asset appraisal is suitable for the traditional development mode, that is, project development, and the source of repayment depends on the card method. Different from lease mortgage, this mortgage can only use rent as the sole source of repayment, and the loan period is as long as five years. Ten years. Leased assets of the project. Safety assessment. The evaluation of tenants is far greater than the evaluation of assets. Wanda has made lease mortgage loans for five or six projects, and the model is basically based on the total rent. The amount of mortgage loan is about 70% of the total rent and 70% of the total investment of the project. 2. Domestic private placement has always been the darling of private placement. On the one hand, although it has not yet been listed, Wanda's business model has always been praised by the industry; On the other hand, it is because of Wang Jianlin's huge hidden assets and good government contacts. At present, there are two known private placements: ① 24% equity transfer of nine commercial properties completed with Macquarie in 2005, involving funds as high as 2.3 billion yuan. ② Cooperate with the initial public listing of A shares and CCB International to complete the private placement of shares. At the time of the initial private placement, Wanda and CCB International did not disclose the fund-raising situation, but when it was the turn of the second private placement, Wanda's private placement price was as high as 17 yuan per share. "CCB International achieved rich returns in only half a year, and the second private placement actively participated again, increasing its holdings by 1%". 3. Overseas financing channels have never given up China Real Estate Market Trust (REITS). The return period of commercial real estate investment in the form of self-owned lease is too long, which is a typical industry that precipitates funds. Therefore, it has always been the ambition of Wanda founder Wang Jianlin to operate commercial real estate through REITS. On the one hand, REITS can resolve the financial risks implied by a single bank loan, on the other hand, they can also allow private capital to share the long-term stable income brought by the development of domestic shopping centers and raise a lot of funds, which is more suitable for the long-term development of real estate projects. This is also a very desirable financing model. In terms of financing channels in the securities market and overseas financing channels, Wanda's exploration has not yet made a substantial breakthrough. After completing the private placement with Macquarie in 2005, the Hong Kong REITS prepared in 2006 finally lost, but Wanda never gave up its efforts to realize REITS. 4. Sales rebate supports cash flow. The bad result of the first-generation products being sold in shops is that Wanda has adjusted the strategy of "only renting and not selling" on the second-generation products. But this real "just rent and not sell" only lasted for a short time. In Wanda's third-generation products, the proportion of sales has increased significantly. For the sales refund of urban complex, Wanda has positioned itself as a "lifeline" and promoted itself to the height of "long-term development strategy support". 5. When trust financing started in 2009, the comprehensive cost of domestic trust financing was generally around 12%, which was much higher than Wanda's previous financing cost of 7%-8%. But from 20 1 1, Wanda got its hands on trust financing. Among the re-established 1 1 trust products, 10 was only established in 20 1 1 and only in 20 1 65448. In Wanda's trust products, most of them are equity trusts, and some disclose that the trust scale is 500 million-10.50 billion, and the funds raised by10 trust products * * * are about 7.8 billion yuan. Through the professional management and diversified investment portfolio of trust companies, the risk of Wanda Group's real estate investment has been effectively reduced and a high return on investment has been achieved. 6. Specialized Bank Funding Channels The Financial Department of the Central Bank's Financial Management Department listed Wanda as a national pilot enterprise for real estate financial reform, and only two of all real estate enterprises in the country have this honor. The head offices of three of the four major state-owned banks have given Wanda huge credit lines. China Industrial and Commercial Bank China Bank Head Office. China Agricultural Bank signed a bank-enterprise agreement with Wanda. As a pilot enterprise of national real estate financial reform, the actual effect of the support given by the highest authority of financial management is very remarkable, and loans can be made in different places without geographical restrictions. At the same time, the pilot enterprises also have a specially authorized "green channel", and a single loan can be approved within 500 million days without approval. This kind of financial approval and support is unique in the domestic real estate industry. 7. Vigorously develop asset mortgage loans and lease mortgage loans. Asset mortgage loan is an obvious phenomenon in Wanda's completed projects. For example, Beijing CBD Wanda and Shijingshan Wanda both use mortgage loans to revitalize their funds.

Excerpted from 123 library (123tsg.com)

What does leaseloan mean?

Lease loan

Unlike a typical car loan, which requires 15% to 20% of the first new car, a lease loan does not require the buyer to make an initial deposit in the new car.

What does a rental loan mean?

The so-called "rental loan" means that tenants sign loan contracts with financial institutions that cooperate with long-term rental apartment enterprises. Generally, the financial institution pays the annual rent for the tenant, and the tenant pays off the rental loan to the financial institution on a monthly basis, and the corresponding loan interest is generally paid by the long-term rental apartment enterprise.

The rent loan model seems convenient, but the tenant bears the risk that the loan funds are misappropriated by the service provider without knowing it. Some service providers promise tenants "one for one". Compared with the common "one for three" or "one for six", "one for one" is more attractive to tenants.

However, in practice, the service provider handled the "rent loan" service for the tenant without the tenant's knowledge or adequate risk warning, which was deceptive and fraudulent.

Extended data

Both the tenant and the landlord have the risk of losing money, and it is easy to produce a lease contract. Once the long-term rental apartment intermediary service provider's capital chain is broken, closed down or maliciously runs away, the tenant will lose the deposit and prepaid rent, and the rent loss that the landlord has not received will be borne by the landlord himself or the tenant.

At the same time, the lessee still needs to continue to pay the loan principal and interest to the lending institution. The tenant paid the rent, but the landlord couldn't collect it. The tenant asked to continue renting, and the landlord asked the tenant to check out. It is very easy for both parties to continue to perform the lease contract.

Tenants were not clearly aware of this risk when signing the house lease contract and handling the "rent loan", and service providers failed to fulfill their obligation to inform in order to develop their business and expand their scale.