After so many years of housing mortgages, I often hear complaints from customers:
Why do I go to the lending bank and the financial institution ignores me?
Why do other people's payment interest rate is 3.75%, but you have to pay 5.75%?
Why do some people use mortgages to buy houses, but they are under-scored by ruthless comprehensive because the main use of assets is to buy houses? What is the inside story behind
financial institutions?
unknown lender's reasons, gradually various speculations and doubts, trying to express the dark story in the anti-corruption drama - financial institutions are not easy to tell you the three secrets of mortgage loans!
Q1: Why do some people use mortgage loans to buy houses, but they themselves are ruthlessly undergraded because the main use of assets is to buy houses?
Lao Li's child will be 26 years old in 2022. He worked hard in different places for four years. So far, he has not been able to concentrate. Seeing the children who get up early every day and stay late every day, Lao Li decided to mortgage the house in his hometown in order to settle down for the children.
But when Lao Li went to the financial institution and said that he wanted to borrow money to buy a house, the financial institution told him that the loan could not be done, and the money from the mortgage loan could not be used to buy a house! At this time, Lao Li wanted to know, didn't his nephew buy a house with a mortgage last year?
Friends who have mortgages need to know that mortgage money is prohibited from being used for real estate and stock transactions.
Lao Li directly said that took out a loan to buy a house, , isn’t that a test of the law?
In other words, the first two years are probably okay. Financial institutions will feel that buying a house is more stable and easier to approve. But today's environment is that some financial institutions are afraid to tell you unscrupulously, even if they want to lend you money.
So whatever you want to do with real estate mortgage money. When filing, you must first make your primary use of the loan active.
The real estate industry’s misconceptions about business loans violating regulations:
A Applying for business loans cannot be used to buy houses, which is also the goal of strict investigation and punishment at this stage.
A applies for a business loan, and remits money to B according to the regulations of the financial institution (AB is related to the business process)
B receives the money (actually the business loan applied by A), B buys a house, and B applies for a housing loan, which is compliance management.
Q2: After staking, will financial institutions investigate where you spend your money?
The answer is undoubtedly that this is also the regulation of the steps of financial institutions and the regulation of control, the purpose of which is to avoid risks and prevent overdue loans and occurrences.
However, the operation of the post-loan management inspection is very complicated, and the loan assets are entrusted to pay. After the transfer of funds, it is difficult for financial institutions to monitor asset trends. Therefore, when a financial institution wants to investigate the location of a sum of money, the lender usually needs to ensure direct evidence of the application of the asset.
If you have enough material, the financial institution will have nothing to say.
Why do financial institutions like to cooperate with intermediary companies?
Loan efficiency is high! The steps of
mortgage loan are relatively complicated, and more materials must be prepared in advance. When the lender handles the loan, it is inevitable that the materials are not prepared in advance or the qualification certificate of a certain level does not meet the situation. It is unlikely that the business managers of
financial institutions will teach lenders to prepare materials from scratch in advance!
don't think their service quality is not good. The key factor is that everyone in the financial institution must be limited, and it is difficult for business managers to guarantee babysitting services.
Relying on the mastery of the products of various financial institutions, intermediary companies can help lenders prepare materials in advance, and the audit success rate is high. For a bank account manager, he completes a business process without spending any effort.
In addition, intermediary companies have many ways to expand customers. If the business manager does not have an order, he can immediately ask the intermediary company for resources.
That's why financial institutions like to cooperate with intermediary companies, without the darkness of some TV dramas, just ordinary ignorant people without fear.