Mortgage real estate value-added part can loan

A real estate forum about a "mortgage property Loan"Post, causing some people's attention. A Financial Services Company says, can be still in the mortgage of real estate loan. Have to stop for many years "housing mortgage" business, don't again?

Mortgage real estate loans may be part of the value of

"If you are still in the mortgage of real estate (1 years), may apply to the bank the amount of value-added part." A financial company, Mr. Shen posting to introduce their latest business.

This is a what kind of loan business? To Mr. Shen consulting, understand the main information to this business: customer name has still in the mortgage of the house, can put forward to the bank loan application. After the bank audit related information (mainly is carries on the appraisal to the property value), to determine the loan amount, the highest 300000 yuan.

"With the real estate mortgage is not the same thing, because it does not need to mortgage. The repayment period of three years, repayment matching service, like mortgage repayment." Mr. Shen said. But the interest rate is obviously much higher than the mortgage, repayment period to three years as an example, the total amount of interest to the loan amount of 40%.

Of course, if this business is real estate mortgage must have value. In fact, taking Hangzhou as an example, if bought a house last year, house prices may have dropped, in accordance with the provisions of this business is not For loans.

"Housing and mortgage" once flourishing

The business of the company, a lot of people think of 2008 before the housing mortgage business.

Housing mortgage, also known as the housing and mortgage, refers to is bank housing mortgage residents, the housing bank for mortgage banks get again, according to the market price of the housing assessment, and in accordance with the evaluation, add a certain amount ofLoan. Prerequisite of this business is the set of housing has been added, otherwise the banks will not accept.

The loan was not repaid the house can not mortgageLoanTherefore, the house mortgage is not financing. Housing mortgage business is aimed at a part of the demand, no need to pay off the remaining loans can apply for additional mortgage, can effectively utilizd funds before 2008, this business was flourishing.

To 2006, China bank Shenzhen branch has put up a pageantry to launch this business. The Hangzhou financial markets, banks have also been launched this business. "In 2007 I will go through this business, many real estate mortgage convenient. Lend out money, I mainly used to purchase again." Hangzhou citizens Mr. Zhu said, after he has a few friends to think in this way loans, but loans increasingly tight, I didn't do. After 2008, the housing mortgage business in the financial market completely disappear from the scene.

Beijing Tenghui faith we can do 30 year loan, mortgage loan, if the room is 1 years, the entire section to buy, do real estate mortgage can be done 30 years, the first suite loan interest rates downward float of 10%, 7, two suite loans 4, the interest rate broke surface 10%, details also can seek adviceWww.thxdbj.com.