There are several ways to buy a house guarantee

There are four ways to buy a house security: mortgage: refers to the borrower to himself or a third person to provide property that meets the prescribed conditions as collateral to obtain a bank loan.

Pledge: refers to the borrower or a third person will meet the prescribed conditions of the right certificate into the possession of the lending bank, the lending bank to the right as a guarantee of the loan to the borrower to issue loans.

Guarantee: the lending bank issues a loan to the borrower by using a legal person or an individual with the ability to pay off the loan as a guarantor provided by the borrower.

Mortgage (pledge) plus guarantee: refers to the lending bank in the borrower or a third party to provide a mortgage (pledge) on the basis of the borrower, at the same time require the borrower to provide a guarantor who meets the prescribed conditions as a guarantee of the loan and the way to issue loans to the borrower.

How do I get a home loan?

1, housing options. In the purchase of housing need to consult with the developer, most of the houses are available for loans, but does not exclude some housing developers do not have mortgage services, so the choice of housing should be asked.

2, loan application. Once determined to mortgage the house, the next need to make a loan application, need to fill out a mortgage loan application.

3, sign the purchase contract. Banks need to review the mortgage loan application received by the lender, in order to determine whether the lender has the conditions of the loan, the end of the review, if successful, the need for the lender and the bank to sign the "commodity housing pre-sale, purchase and sale contract".

4, sign the building mortgage contract. Purchase of housing loans before the need to pay the down payment on the side of the developer, the developer issued a purchase invoice, with the purchase invoice and related procedures to the bank to sign the "building mortgage mortgage contract".

5, for mortgage registration. Need to hold the purchase of relevant information and formalities to government departments of the real estate management unit for mortgage registration record, and housing as a result of the mortgage purchase, but also need to buy the appropriate insurance.

6, for repayment account. When the loan contract is signed, the bank will require the repayment of the bank's repayment account and sign the relevant contract.

The cost of applying for a loan to buy a house through an insurance company

1, deposit, most of the current guarantee companies take a post-fee approach, in order to reduce their own risk, usually charge a certain amount of deposit first. If the customer abandons the loan in the middle of the day, the deposit is non-refundable;

2, the appraisal fee of the property, 400-500 yuan per set of residential property, villas and properties designed for commercial use are negotiable;

3, the bank charges intermediate fees, some called "intermediate fees", some called "lending fees", "lending fees". "The bank's loan amount is usually because the bank's loan amount is not enough to pay for the loan. Generally because the bank's loan amount is relatively tight and charged. The fee ranges from two to one percent of the loan amount. Different loan bank fees vary;

4, the cost of withdrawing cash, if you expect to get the cash, the loan into their own personal card to use, there will be this fee;

5, the guarantee fee, the guarantee fee is depending on the provisions of the guarantee agency.