What should I pay attention to when looking for an intermediary with a house as a mortgage?

Using a house as a mortgage loan to find an intermediary should pay attention to the following points:

First, it should be clear that the time is the time for lending, not the time for approving loans. The time for approving loans and lending may be much worse.

Second, the cost of mortgage consumer loans is between 1.5 and 2 points. Including agency fees and third-party cash withdrawal fees. These must be written in the contract in advance.

Third, if the loan has been issued, the handling fee is required to be repaid in installments or the loan is issued at one time. This behavior is not the behavior of a liar. At present, many small loan companies in China will charge a certain fee and ask for later repayment.

Fourth, if the loan has not been issued yet and it is required to be repaid in advance, it must be a liar. Formal lending institutions will certainly not require borrowers to pay any fees before the loan is issued.

Extended data:

Requirements for mortgage loans:

I. Housing requirements

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there must be real estate licenses and land certificates issued by real estate departments and land management departments.

Two. Requirements of the lender

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

References:

Baidu encyclopedia-house mortgage loan