房产抵押（Real estate mortgage）.docVIP

房产抵押（Real estate mortgage） Housing mortgage loan training summary: at present individual housing loans in China there are three main forms: 1, also known as the provident fund loans, was commissioned by the bank to accept housing provident fund management department, the workers paid housing provident fund deposit More boutique regulations Housing mortgage loan knowledge training I. The concept of housing mortgage loan Housing mortgage loan is the seller (or Guarantee Corporation), banks and buyers an agreement between the three parties agreed, property buyers will have all the rights and interests of the part of the purchase of real estate pre-sale collateral, the seller (or Guarantee Corporation) for buyers to pay off bank loan guarantee, the buyers cannot perform the debt on time, the bank has the right to dispose of collateral and have priority in repayment of civil legal acts. At present, Chinas individual housing loans are mainly three forms of training: 1, also called the provident fund loans by banks accept housing provident fund management sector, the workers paid housing provident fund deposit is the main source of funding, the amount of provident fund deposit paid to the foot on time according to the requirements of the workers in the purchase, construction, overhaul occupied housing loans. Under the loan for profit purposes, the implementation of low in and out interest rate policy, with strong policy, the loan amount is limited. 2, self-employed individual housing loans Is the use of credit funds to the bank in the town of purchase, construction, overhaul of housing loans to a natural person, commonly known as the mortgage, which is used in Hongkong saying that the English mortgage transliteration, Chinese mean mortgage. The bank funds cost of this kind of loan is higher, the interest rate is relatively higher, but the loan amount and the time limit are limited. 3, personal housing portfolio loans Refers to the full and timely payment of housing provide