Zhengzhou launched the "Combination Loan+Common Mortgage Registration" business

The reporter learned from the Zhengzhou Housing Provident Fund Management Center yesterday that with the support of the Municipal Real Estate Registration Center, the city launched a personal housing portfolio loan business on the same set of housing and commercial banks on the same set of housing and commercial banks. business.

Improve the optimization process to launch "Combination Loan+Registration of Common Mortgage Right"

The "portfolio loan+common mortgage registration" business refers to the borrower mortgage to the Zhengzhou Housing Provident Fund Management Center and commercial banks when handling a portfolio loan, providing a guarantee for the mortgage of the house. In this mortgage registration model, the buyer is the mortgagee, the provident fund center and the commercial bank are jointly the mortgagee. The common right holders of the house mortgage regardless of the order, the same sequence of beneficiaries.

It is understood that due to the advantages of low comprehensive interest rates and high loan quotas, the demand for use has continued to increase in recent years. In order to further optimize the port loan business and fully meet the loan needs of housing provident funds to deposit employees, the provident fund center actively improves the business model and the relevant commercial banks, and will discuss real estate registration centers. By improving the registration system function, the combination of the port loan business process is launched, and the launch of the loan business process will be launched. "Combination loan+common mortgage registration" business.

Further reduce the loan cost of the borrower

According to reports, before the launch of this business model, the combined loan adopts a third -party institution to ensure the guarantee method. When handling house mortgage registration, because the mortgage right of the house cannot be split, the loan contribution can not enjoy the mortgage right. mortgagee. For banks, because the unable to obtain the mortgage of the house, the combined loan has become a guarantee loan, which is not conducive to the risk prevention and control of the bank's commercial housing loan. Therefore, there are fewer banks participating in port loans.

After launching the "Combination Loan+Common Mortgage Registration" model, when handling house mortgage registration, the bank obtains the mortgage right. The commercial housing loan in the portfolio loan is the same as other commercial bank housing loans. Guarantee is more in line with the risk prevention and control requirements of commercial bank housing loans.

Therefore, after the launch of the "portfolio loan+shared mortgage registration" business, it will further strengthen Zhengzhou's portfolio loan business to further reduce the loan cost of the borrower.

From now on, the new mortgage model can be adopted

It is reported that for borrowers, compared with before, the process of procedures for combined loan loans has not changed, but the process of handling house mortgage registration business has changed slightly. The specific requirements are: the borrower (previously organized by the guarantee agency) borrower with the provident fund center and the commercial bank signed the "Personal Housing Combination Loan Contract" and the "Zhengzhou Pre -sale commercial housing mortgage contract" to fill in the "Real Estate Registration Application Approval Form". The bank reports to the real estate registration center for mortgage registration application materials. The Real Estate Registration Center reviews the application materials for mortgage registration of the house and register the qualified mortgage application. The bank receives the house mortgage registration certificate, or the housing mortgage registration electronic certificate pushed by the registration center.

After the recent trials of various relevant parties, the first "Combination Loan+Combat Mortgage Registration" business involved in CCB has successfully completed and loanned. The current loan can be officially processed in a new mortgage model.

Zhengguan News · Zhengzhou Evening News reporter Cao Ting

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