Dear Ping An Bank customers, according to our comprehensive evaluation, you can get Ping An Pre-trial Reserve 2 18000, which can be repaid with the loan. Is it true?/You don't say.

Ping An Bank generally sends SMS to invite users in this way. In bank loans, what are the similarities between individual housing secured loans and housing mortgage loans?

1) Generally, the borrower's deposit in the bank should reach more than 30% of the total purchase price as the advance payment for the purchase and construction of the house. ?

2) The borrower must have the ability to repay the principal and interest of the loan. ?

3) There are documents such as contracts or agreements for purchasing houses.

Extended information From the classification point of view, housing secured loans can be divided into mortgage loans, pledge loans, guaranteed loans and mortgage (pledge) plus guaranteed loans. Housing mortgage loan is just similar to mortgage loan in secured loan, and it can be divided into existing home mortgage loan and unfinished mortgage loan according to whether the house is completed or not.

From the perspective of loan investment, secured loans are mostly used to buy existing houses, and less used to buy faster houses. Moreover, mortgage loans are mostly used to buy faster houses and less used to buy existing houses.

From the perspective of collateral, the collateral or pledge of housing secured loan includes the purchased house, other real estate of the lender or guarantor, marketable securities, gold jewelry, etc. The latter can only use the purchased house or uncompleted residential flats as collateral, and at the same time, it needs the real estate business as a guarantee or commitment to buy back the mortgage from the bank when the buyers can't repay the loan as scheduled.

From the perspective of guarantee, when determining mortgage guarantee, collateral exists objectively, and mortgage and guarantee can be used separately; When mortgage guarantee is set, the mortgaged house may not be built yet, and mortgage and guarantee are usually used together.

Ping An official website-Bank loan borrowers easily confuse housing secured loans with housing mortgage loans.