Today, let's talk about how much money do you have to prepare to buy a foreclosure house?
For example, a house worth 1.3 million yuan, the starting price is 800,000 yuan, and you finally bid for 1 million **.
First of all, it is about 150,000 yuan of starting deposit, that is, to participate in this legal auction activity, you must make a deposit of 150,000 yuan to the account designated by the court before you are eligible to raise your name to bid.
In the end, you will make a deal with 1 million **, and you must transfer the remaining 850,000 yuan to the bank's designated account within 5 working days according to the regulations.
At present, the cost of the advance market, according to the credit situation, is generally between 10,000 yuan and 1,000 yuan, that is, between 500 yuan and 1,000 yuan per day. Then 850,000, the cost per day is 425 yuan.
From the beginning to the end, the 850,000 yuan will take about 2-3 months, and we will calculate it according to 2 months, with a total cost of 25,500 yuan. During these two months, your ID card, household registration book, bank card and other documents must be entrusted to the fund company until the money is returned.
This is a regular operation, because the house has to be mortgaged by the bank before the bank can initiate approval and lend money, from the state of foreclosure to the transfer to your name and then to the mortgage to the bank, this cycle is the above 2-3 months.
At the moment, our company has launched one such product.
From the moment your bidding ends, you come to me, go through the credit report, look at the materials, and I will give you a piece of paper, a letter of guarantee in scientific name. The approximate meaning of this letter of guarantee is: I am a guarantee company, I guarantee for you, please ask the bank to see this letter of guarantee, immediately give you the loan, this process may take 2 days, the third day the bank will release 800,000 yuan directly to your account, and then instantly transfer from your account to the designated account of the court.
Because the ** of the house is 1 million, the bank will call 800,000 yuan to your card at most, and you have to prepare the remaining 50,000 yuan yourself.
After the 1 million money is transferred to the court's account, the court will go through the procedures, you go to the housing authority to pay the fee and go through the procedures, and complete the mortgage within the specified time.
The cost is greatly reduced, and the risk is greatly reduced.
Formed a foreclosure room *** Welcome interested friends, private message me, join the group.
Mr. Chen has been doing real estate finance in Zhengzhou for nine years, and he has settled down for more than 1,000 people.