September 14th, 2010 | 
Author: Intermediary between real estate companies and banks loan products is the agent of an agent and being. Agency in accordance with their reputation in the market and the creditworthiness level, generally a separate operation and is linked with two modes of operation, set up from the banks and the bridge loan between home buyers.
High credit, large intermediary companies are mostly used in a separate mode of operation. As these companies have a stable second-hand housing turnover, handled correspondingly larger volume of mortgage business, banks often set up with a fixed relationship. Cooperation is usually used by banks to the wholesale mortgage business after a major intermediary packaging companies, intermediaries and then to the various retail loan customers. An intermediary companies are usually second-hand housing loan business banks in the agent bank will also look for companies as long-term partner. When a real estate transaction into the credit link, the agency will provide a list of banks for the purchase of several candidates to choose from, let it selected, by the clerk of properties and transactions directly to the borrower documents and other information directly sent to Audit Department of Bank Credit counterparts. Through the audit, bank lending, and his entry warrants transfer simultaneously. In this process, the agency played a role in a stage of security to ensure the transfer of property rights and the security of money transactions.
Small, medium and low brand awareness, banks generally do not direct cooperation with its also not directly apply to the bank loans for the borrowers. They generally select the link it has secured qualification in the big brand agency or mortgage service company’s. In actual operation, in order to improve customer service processes in front of expression, these companies often also committed to providing one-stop service agency loans. However, when borrowers make loan application review time, these companies have already lost the control over this Real Estate Exchange in favor of a guarantee by the qualified intermediary companies or mortgage companies to banks and real estate trading center of the specific procedures for handling .
Intermediary lending agent for its customers, agents generally charge a fee. The confusion has been the agency fees charged buyers up to the issue of complaints. Last year on October 1, Municipal Price Bureau released “on the standard residential housing in Shanghai trading, brokerage services, leasing agent fees notice” for the first time clearly defined, real estate brokerage agency loans, including the provision of loan guarantees stage, processing room registration of real estate mortgage loans and charged to the borrower only 400 yuan, agency fees have a uniform basis.
Mortgage service companies main customers are medium and small real estate agency and trading clients hand in hand. Mortgage service companies generally have strong financial strength, and is closely related to banking relationship established, its status is equivalent to a large intermediary companies, mortgage banking business is also an agent. Mortgage service companies agents are generally more standardized, mostly in the form of marked price.
At present banks can accept personal loan application process is very easy to handle. Hand in hand not only the direct customers to the bank for loans can not pay agency fees, to complete the transaction through an intermediary customers can also go directly to bank loans, the same agent can save costs.
Comparison of three ways to do loans, in fact, specific procedures must ultimately fell bank. The borrower, the handling of the process is basically the same. Such as the signing of the loan contract and handle the housing and mortgage transfer formalities must I attend in person, play the primary role of an agent just to tell borrowers how people should be prepared to bid to host the data, these borrowers can consult directly to the bank. In the past, as housing and mortgage transfer formalities of the cycle is longer, the corresponding bank lending cycle is longer, some much-needed loans to borrowers must be an intermediary company or mortgage service companies to provide periodic security. With the accreditation of Shanghai Real Estate Trading Center accelerates, the stage has already secured much of practical significance. For example, some area real estate trading center can run as long as three days of transfer and security procedures, which examine bank loans than even some of the time even faster.
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