Product definition:
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By transfer receipt in advance loan guarantee business refers to customers for the purchase of real estate has been in the property registration department for the transfer delivery formalities and obtain the transfer acknowledgment of receipt or transfer to the buyer's name, but the customer want to in front of the prior to the completion of the transfer or mortgage bank mortgage mortgage loans, according to the application, by unison to provide guarantee, banks before the completion of the transfer of property or fails to go through the mortgage to the applicant in advance loans business.
Product type:
1) upon tax / transfer receipt in advance loan guarantee: real estate has handled the transfer delivery procedures, the buyer has to pay the taxes, tax payment receipts has been made, unison pass by the original tax payment certificate and the transfer of the original receipt for buyers of mortgage loans to provide security, the bank in advance loans.
2) by the transfer receipt in advance loan guarantee: real estate has handled the transfer delivery procedures, has been made to transfer the original receipt, but customers have not yet pay taxes (part of the city requirements in had finished households receive a new card side tax), unison pass by transfer of the original receipt for the buyer to provide a guarantee, the bank in advance loans.
3) by the buyer's new property card in advance loan guarantees: real estate has been transferred to the buyer's name and has been made to the buyer for the right to the new home real estate license, financial pleasure through to the buyer's right to provide security, banks in real estate mortgage loans are not handled before the registration of mortgage loans in advance.
Guarantee amount:
The amount of the mortgage loan application is not more than the amount of the mortgage loan, in principle, the maximum amount of security is not more than 80% of the total value of real estate transactions.
Business acceptance:
Customers need to provide the following information:
1 identification documents: the seller and the buyer's identity card, passport, account book, etc.;
2 trading information: real estate sales contracts, the first payment receipt copy;
3 real estate: real estate certificate copy, transfer the original receipt, the original tax payment receipts etc.;
4 the buyer's credit information: bank loan approval opinion, loan contract, mortgage contract copy; the seller and buyer's personal credit report
Other information required by the 5 Financial
