1. Personal credit card has bad credit records such as overdue and cashing;
2. There has been a record of overdue loans under the personal name;
3. There are more than 5 credit card issuers under the personal name, with high debt ratio;
4. Mortgage, car loan, wealth management VIP and payroll customers who do not belong to CCB;
5. Individual CCB accounts are abnormal, such as freezing, stopping payment, bad debts and write-off.
① "Quick loan" refers to the business in which the mortgage company provides the loan guarantee when handling the mortgage loan, and the bank lends money to the owner in advance before completing the relevant mortgage procedures, so that the buyer can get the property key in advance and the buyer and the seller can realize the delivery and payment in advance. Risk: Applying for "quick loan" mortgage service requires a certain guarantee fee, and the guarantee company will sign a guarantee letter with both parties. If there is any accident in the transaction, the subject matter of the transaction (real estate) may become collateral.
② Both parties to the "quick loan" risk transaction must pay more attention. Recently, a friend is going to sell a house. After learning about many payment methods in detail, he was surprised to find that he always thought that one-time payment would get the money the fastest, but he didn't expect that the original "quick loan" product might get the house payment faster than one-time payment. The company that provides the contract loan (it usually takes 3~7 working days for the bank to approve the loan notice) can let the owner receive the house payment in 3 days at the earliest! However, she later learned in detail that applying for "quick loan" mortgage service requires a certain guarantee fee, and the guarantee company will sign a guarantee letter with both parties to the transaction. If there is any accident in the transaction, the subject matter of the transaction (real estate) may become collateral.
According to the preliminary estimation of mortgage professionals, "quick loan" products have occupied 50%~60% of the mortgage market in Guangzhou. In Panyu, due to the particularity of local real estate transaction registration (the certificate will be issued upon delivery), the owners basically ask the buyers to use the "quick loan" service to ensure the safety of the building, and the ratio of "quick loan" is 100%.