In Zhuhai, it can be said that when it comes to mortgage loans, most buyers are concerned about the information about what materials are needed for mortgage loan guarantee in Zhuhai and the amount of mortgage loan guarantee fee in Zhuhai. Everyone attaches great importance to buying a house, and knowing ourselves and knowing ourselves is invincible. Now I will tell you about the relevant information.
What materials do you need to apply for mortgage loan guarantee in Zhuhai?
If the mortgagor is an individual, you need to provide the following materials:
(a) Resident ID card, household registration book or other identification;
(b) If married, provide a marriage certificate and obtain the consent of the spouse; Unmarried provide proof of unmarried;
(c) If the house is mortgaged, the house title certificate shall be provided; If the house is owned by * * *, it must obtain the unanimous consent of other * * * owners;
(d) collateral evaluation report;
(e) List of collateral.
if the mortgagor is an enterprise, the following materials shall be provided:
(a) the original business license of the enterprise as a legal person (after annual examination);
(b) certificate and identity card of the legal representative of the enterprise;
(c) If the agent handles it on his behalf, he shall submit the power of attorney and identity card;
(d) proof of property right of collateral. If the house is mortgaged, the original house property certificate shall be provided; If other property is mortgaged, the corresponding property right certificate shall be provided;
(e) The collateral is owned by * * *, and the consent of other * * * people is required; If laws, regulations or rules stipulate that the mortgage needs to be approved by the relevant competent department, it shall be submitted to the competent department for approval;
(f) Collateral evaluation report or written proof that both parties to the mortgage determine its value through consultation;
(g) Where a limited liability company, joint stock limited company, Sino-foreign joint venture, cooperative enterprise or foreign-funded enterprise mortgages its real estate or other property, it is required to provide the articles of association, the establishment agreement and the resolution of the board of directors agreeing to mortgage;
(h) List of collateral.
how much is the guarantee fee for the mortgage loan in Zhuhai
1. How much is the guarantee fee for the mortgage loan? It is understood that the guarantee fee to be paid for mortgage loans is two fees: one is the mortgage registration fee, which is used for mortgage registration in the real estate bureau and collected by the bank. The second is the home insurance fee, which is calculated according to the loan amount × .5% × loan period. This fee is generally paid voluntarily and will not be imposed.
2. There is also a calculation formula for the guarantee fee of personal mortgage: the standard for collecting the guarantee fee is: the balance of loan principal and interest at the beginning of the year × 1‰ of the annual guarantee rate. The guarantee fee is charged in one lump sum when signing the loan contract. You can also use this formula to calculate how much guarantee fee an individual needs to pay. In addition, you can also use the mortgage guarantee fee calculator to calculate the specific guarantee fee.
3. according to the normal process, the bank can only issue the housing loan after showing the mortgage certificate, and the loan certificate can only be issued after the house is transferred and the two certificates are handled completely, which not only makes the loan procedures cumbersome, but also makes the seller face a high-risk situation that the house and property may be empty. To avoid this situation, the mortgage guarantee fee came into being.
The above is the information I brought to you about what materials are needed to apply for mortgage loan guarantee in Zhuhai and how much the mortgage loan guarantee fee in Zhuhai is. I hope I can help more friends to have a comprehensive understanding of this. In today's high housing prices, it is actually very good to buy a suite with a mortgage, and it is not easy to buy a house now.