Whether you need collateral for a bank loan depends mainly on what kind of loan business you are handling.
To apply for a credit loan, you don't need to provide collateral or a third-party guarantee. After all, credit loan is a loan issued by the borrower's credit qualification. As long as the credit is good and meets the loan conditions proposed by the bank, you can get the loan smoothly.
If you apply for a mortgage loan, you naturally need to provide some valuable, easy-to-preserve, easy-to-sell and hard-to-wear items as collateral. Real estate, automobiles, bills, stocks, securities, etc. Can be used as collateral to apply for mortgage loans, many people will apply for mortgage loans in banks, car mortgages and so on.
There are many loan businesses provided by banks, and their respective regulations will be different. Those who apply for secured loans need to provide corresponding guarantees. Generally, the borrower's property or the property of a third party can be used as loan guarantee. And if you don't want to mortgage the goods to the bank, just handle it directly.
Don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. You can check your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist in "Beijian Quick Check".
Extended data:
What collateral does a bank loan need?
If you go to the bank to apply for a loan, if your personal reputation is good enough, you can actually apply for a credit loan directly, while a pure credit loan is a loan fund issued directly according to your credit, without any mortgage or guarantee.
Of course, if you want to apply for a mortgage loan in a bank, you naturally need to provide assets in your name as collateral, such as real estate and securities.
The collateral provided must have a certain value space; Generally, it is an item that is easy to preserve, not easy to wear and easy to sell; And the real estate license should be complete and clear. If it is not unique to an individual, the written consent of the property owner must be obtained before the mortgaged assets can be used for mortgage loans.
The amount of mortgage loans that can be approved is generally higher than that of pure credit loans. If you want to increase the chances of approval, you can also find a person with good credit to guarantee your loan. However, it should be noted that if the mortgage loan cannot be repaid on time, the bank has the right to auction the collateral and then use the proceeds from the auction to offset the debt.
Second, do bank loans have to be mortgaged?
Personal mortgage loans generally require a property that meets the requirements of our bank to apply for mortgage;
At present, our mortgage loan only accepts real estate as collateral; If you need to apply for a personal automobile mortgage, you can use the purchased car as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply.
The Bank also conducts credit loan business (i.e.:). Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). ), proof of use is required when applying. Because there is no need for collateral, the audit is strict. Whether you can apply specifically, you need to provide personal information through the counter personal loan department, and then the bank will review it.
3. haunted house mortgage bank loan need me to explain the situation to the bank?
Yes Haunted houses can also be mortgaged, because haunted houses are man-made events and houses can be mortgaged. However, the estimated price and the ratio of mortgage loans need to be reviewed and evaluated by banks. So tell the truth.