What are the requirements for personal housing mortgage loan? What are the procedures for mortgage loan?

1. What are the requirements for individual housing mortgage loan? What are the procedures for mortgage loan?

Bank mortgage to buy a house process: 1. Personal housing portfolio loan refers to the loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and white camp loan. In addition, there are housing savings loans and mortgage loans. Two, personal housing loans refers to the bank according to the entrustment of the housing provident fund management department, with housing provident fund deposits as the source of funds, according to the requirements of the individual to buy ordinary housing loans. Also known as provident fund loans. Three, personal housing loans are loans issued by bank credit funds to individual buyers. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Second, what are the conditions and procedures for mortgage?

Legal analysis:

Mortgage application conditions: 1. The borrower must be between 18 and 65 years old and hold valid identity documents. 2. The borrower has stable and legal income and certain repayment ability; Personal credit is good. 3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank. 4. I have paid more than 30% of the total house price, and if I buy a house with the provident fund, I can pay more than 20%. 5. Meet other conditions stipulated by the lending bank. Mortgage procedures: 1. Apply. Prepare loan materials, generally including ID card, household registration book, work certificate, bank account number, marriage certificate and other originals and copies. 2. Bank review and approval. After determining that it has the repayment ability, it decides to grant the loan to the applicant and send the loan approval notice to the applicant. At this time, it is necessary to sign a formal loan contract with the bank. If the loan involves mortgage and other guarantees, a guarantee contract should also be signed at the same time. 3. After completion, the bank lends money and the lender repays it.

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Article 36 stipulates that the borrower shall provide guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 stipulates that a commercial bank shall conclude a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

3. What is the process of handling bank mortgage in China Bank? What materials need to be submitted?

Someone has given a detailed answer. The answer is as follows:

China Agricultural Bank Housing Mortgage Loan Process

(1) The seller proposes the mortgage loan cooperation intention to the loan bank.

(2) The loan bank investigates the seller's development projects, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating conditions and financial conditions, and signs a mortgage loan cooperation agreement with qualified sellers.

(3) The borrower signs a house purchase agreement with the seller and pays more than 30% of the house price (40% of the commercial house).

(4) The borrower applies for mortgage loan with the purchase agreement, 30% purchase receipt, ID card and proof of marital status, and opens a deposit account or bank card in the loan bank.

5] After investigation, examination and approval, a loan contract is signed, and after the agent of the loan bank completes the registration and notarization procedures, the money will be deposited into the seller's account (the customer adopts the principle of voluntary insurance), and the customer will be informed to go to the seller to handle the purchase formalities with the contract.

[6] In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it from the borrower's account and settle it all at maturity.

(7) The lender pays the deed tax, obtains the deed certificate, and completes the registration procedures of the real estate title certificate and the house mortgage. Fees are charged in strict accordance with the charging standards of relevant competent departments, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the lender cancels the collateral and returns it to the customer.

China Bank Housing Mortgage Loan Process

Borrower's withdrawal

Application material

Bank of China

↓ Bank audit

Formally signed a house purchase contract,

Individual housing mortgage loan contract

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Contract notarization

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Handle insurance business

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Go through the registration of property right mortgage

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Banks issue loans.

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Borrower's repayment

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Apply for a mortgage after the loan is paid off.

Real estate cancellation registration procedures

China Construction Bank Housing Mortgage Loan Process

Construction Bank Mortgage Housing Loan Process

(1) Consultation: The loan applicant can not only go to any "personal loan" branch of China Construction Bank Jinan Branch, but also go to the developer's bank-enterprise joint office to inquire about the specific type, term, amount, interest rate level and repayment method of this kind of loan and obtain relevant information.

(II) Acceptance: The loan applicant can sign a letter of intent with the seller of the house, and after paying the deposit, get the loan application form from the loan construction bank or the bank-enterprise joint office. After the application form is filled in and signed by the guarantor, it can be submitted to the bank together with all the required materials, or it can be submitted by the bank-enterprise joint office.

(3) Examination and approval: After the credit personnel have made a preliminary examination of the written materials of the customers, they will conduct on-site inspection on the credit standing of the loan inviter and issue the investigation opinions of the first responsible person, and then report them to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month.

(4) Signing a contract to issue loans: The loan applicant signs a formal house purchase contract with the seller with the bank loan commitment letter, and pays more than 30% of the advance payment, and then signs a loan contract, mortgage contract, etc. With the original purchase, payment receipt, letter of commitment and personal seal, we can get a loan from China Construction Bank and pay relevant fees. The loan contract shall come into effect after being signed and sealed by both parties. At the same time, the borrower shall receive the relevant contract text and repay the principal and interest from the month of loan according to the repayment plan.

Housing loan steps

When CCB approves the loan, it will entrust the mortgage affairs center to handle all the loan procedures for you. After receiving the countersignature notice, please go through the relevant formalities according to the following steps:

Step 1: The borrower (buyer) enters the mortgage affairs center of the place where the contract is signed with relevant materials (original ID card, half-inch square seal and CCB current passbook).

Step 2: The borrower (buyer) takes a seat at the counter-sign of the contract according to the indicated route and listens to the lawyer's explanation of the loan and other contract texts.

Step 3: The borrower (purchaser) submits the current passbook of CCB at the insurance counter and the toll counter in the lobby of the mortgage affairs center, and pays the related expenses of personal housing loan.

Step 4: After the borrower (house buyer) pays the relevant fees, he/she will collect the loan and other contract texts from the countersigning room with the charge receipt. Please check the contract texts carefully.

Step 5 If the borrower (buyer) misses the special meeting of the loan contract, please read the contract text by yourself. If you have any questions during reading, please ask at the information desk and you will get an appropriate explanation.

Step 6 If the borrower (buyer) thinks there is no problem with the contract, please sign and seal all the contract texts and fill in the date of signing.

Step 7 After the borrower (buyer) completes the above matters, please send all your consolidated texts to the lawyer for review.

Step 8 The borrower (buyer) has completed the loan signing procedures, and the mortgage affairs center will handle the mortgage signing procedures for you as soon as possible and notify the bank to lend money for you. Please feel free to go home.

Information to be provided for individual housing loan:

The original and photocopy of the ID card and household registration book of the borrower's husband and wife;

If both parties are not in the same account, the original and photocopy of the marriage certificate must be provided;

Original income certificate issued by the unit where the borrower and his wife work;

Legal purchase contract;

The original and photocopy of the prepayment receipt for which the borrower pays more than 30% in advance;

Other information required by the loan bank (such as proof of family property, etc.). ).

Relevant charging standards for individual housing loans

Citic Industrial Bank Housing Plus Mortgage Loan Process

Information to be submitted when applying for a loan

Documents or materials to be submitted by the borrower

1. Original and photocopy of the borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc.). ), household registration book or local long-term residence certificate;

2. The borrower's income certificate, including payroll and tax payment certificate; If the loan is repaid with family income, the identity and income proof materials of other family members shall also be provided;

3. Relevant procurement contracts and agreements.

4. The ownership certificate of the mortgaged property and the certificate of consent to mortgage issued by the person with the right to dispose of it; Appraisal certificate of second-hand house (or collateral) issued by an appraisal institution recognized by CITIC Industrial Bank;

5. The purchase of housing reform must be in accordance with the relevant provisions of the local government on the listing of housing reform, and provide the approval documents of the housing reform department to ensure that the purchaser can obtain full property rights;

6. Provide proof of down payment for house purchase;

7. Other documents or materials required by the bank.

Customer loan process

1. You need to open a current deposit account in the business institution of CITIC Industrial Bank;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide;

4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the special account you opened in CITIC Industrial Bank or the account you designated and approved by CITIC Industrial Bank;

7. Please repay the principal and interest according to the loan contract.

If you have a good bank, you can check it in official website or call customer service.

ICBC service telephone number 95588

China CITIC Bank Service Phone 95558

China bank service telephone number 95566

Industrial bank service telephone number 9556 1

Agricultural Bank Service Phone 95599