The successful completion of the first "online" business of real estate mortgage registration in the small loan industry indicates that Nanjing Small Loan has taken the lead in realizing this service in the national small loan industry, allowing the mortgagee, mortgagor and borrower to complete the real estate mortgage registration business online all the time without leaving home.
Small loan companies have completed online real estate mortgage registration in Jiangning, Pukou and Jiangbei New District through the online "one-window service" platform of Nanjing real estate registration. Since then, the online real estate mortgage registration business of Nanjing Small Loan Company has achieved city-wide coverage.
In recent years, the Municipal Bureau of Planning and Resources has always adhered to the development idea of "people-centered", continuously deepened the reform of "simplifying administration and decentralization, strengthening supervision and improving services" and the construction of business environment in the field of real estate registration, and made full use of the technical means of "Internet government services" to make the "one thing" reform of real estate registration possible. Before the end of 2020, the "one-stop online service", "online application, real-name authentication and electronic signature" for real estate mortgage registration will be launched.
The use of this service has solved the problem that small loan companies always need the parties to queue up in the registration hall for registration information inquiry, mortgage registration, certificate collection and other matters, relieved the mortgagee, mortgagor and borrower of the burden of running errands and submitting paper materials, significantly improved the service efficiency, reduced the service cost, grasped the changing information of the collateral status in real time, and effectively prevented and resolved financial risks. Up to now, more than 20 small loan companies in the city have successively used the "online service" service of real estate mortgage registration.
Next, the Municipal Planning and Resources Bureau will continue to strengthen the promotion and use of the "online service" service, inject momentum into the service standardization and informatization of small loan companies, help the small loan industry to be efficient, pragmatic, stable and far-reaching, further optimize the business environment, and promote the high-quality development of the local economy.
Audit: Tao Le
Publisher: Pan Xin.
Related questions and answers: What is the mortgage interest rate of Nanjing real estate? Two formulas for calculating the mortgage amount of real estate:
Loan amount = house value * mortgage rate-original loan principal balance
Let's give a simple example. Assume that the value of Mr. Wang's house is 6,543,800 yuan, and the bank determines the mortgage rate as 60% according to its comprehensive situation. When I first bought a house, I had applied for a loan of 500,000 yuan from the bank. Then, the calculation shows that:1000000× 60%-500000 =100000 (yuan).
It should be noted that if Mr. Wang applies for a loan of 600,000 yuan from the bank for the first time, then this house cannot be used for secondary mortgage. This is because, in fact, the residual value of the house is used for two mortgages. If the house has no surplus value, you can't apply for this business.
In addition, the following two principles should be followed:
(a) Comparing the value of the house with the original purchase price of the house and the appraised price at the time of secondary mortgage, whichever is lower.
(two) the mortgage rate of the second loan with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.