担保公司与合作银行政策（Guarantee Corporation and cooperative bank policy）.docVIP

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担保公司与合作银行政策（Guarantee Corporation and cooperative bank policy）.doc

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担保公司与合作银行政策（Guarantee Corporation and cooperative bank policy）

担保公司与合作银行政策（Guarantee Corporation and cooperative bank policy） The loan Handbook (four) - Guarantee Corporation and cooperative bank policy The first chapter Glossary What is a guarantee The current security refers to the company or other Guarantee Corporation from the buyer and the lending bank signed the purchase mortgage loan contract to the buyer on the date of the purchase of real estate mortgage registration and he Xiang of housing loan bank receipt to the date of the period, for the buyer to provide security. If the banks in the loan to the seller, the buyer fails to achieve the real estate mortgage, is in company or other Guarantee Corporation shall bear the bank loan repayment responsibility of all, and then to the buyers claim. Two, why the need for security At present, most of the housing loan, is to buy a house with all its housing mortgaged to the bank, thereby obtaining bank loans. Means that the bank to obtain mortgage mortgage rights, a mortgagee, get it right card, loans to the. Because the District of Beijing City real estate transaction department system and work efficiency, taking Chaoyang District as an example, from the transfer of property rights to receive the title certificate, a month; from the certificate for property to be mortgaged to the bank, is to receive it right, to one and a half months. Means in accordance with normal procedures, the seller in the sale (refers to the transfer of property rights) after two and a half months to receive the amount to the bank. It is very difficult to be recognized by the market. Therefore, the Guarantee corporation with its own credit and corporate strength as the foundation, apply to the bank to assume responsibility for security, namely after the transfer of property rights to bank loans to the seller. If the bank cant get it right certificate within the specified time, the Guarantee Corporation will be equivalent to the amount of loans to the bank for money all. The guarantee behavior of Guarantee