Housing loan process: 1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment; 2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation; 3. The bank examines and approves the loan application; 4. The buyer signs a loan and guarantee contract with the bank; 5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer; 6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer); 7. The bank issues loans to the seller's account. Measures for the Administration of Individual Housing Loans Chapter III Loan Procedures Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans. Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency. Article 9 If an applicant applies for using the housing provident fund loan to purchase a house, after the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.
202 1, Jiangsu provident fund issued 267,600 individual housing loans, accounting for over 60% of the loans for buying new houses.
Last year, 7,090,500 paid workers in Jiangsu withdrew their housing accumulation fund.
According to the data of Jiangsu Province, in 202 1 year, there were 25 new account opening units 10 1725, with a net increase of 93,766; There were 2,478,300 new employees, with a net increase of1407,400; There are 465,864 paid-in units with employees 1, 5424,438+0,000, and the deposit is 260.333 billion yuan.
According to the report, in 20021year, 7,090,500 employees in Jiangsu paid in to withdraw housing provident fund; Withdrawal amount1858.1900 million yuan, up 9.16% year-on-year; The withdrawal amount accounted for 765,438+0.38% of the deposit amount in that year, which was 3.25 percentage points lower than the previous year. 202 1 total amount returned at the end of the year124,930.2 billion yuan, an increase of 17.47% over the end of the previous year.
Where are the provident funds withdrawn by the paid employees used? According to the report, of the withdrawal amount, 22.66% were purchased, built, renovated or overhauled for owner-occupied housing, 58.0 1% were repaid for the principal and interest of house purchase loan, 3.92% were rented housing, and 0.004% were supported for the renovation and withdrawal of old residential areas. 8.86% retired, completely lost their ability to work and terminated their labor relations with their units 1.36%, settled abroad 1. 12%, and others 4.066%. Among the employees, low-middle income accounts for 96.64% and high income accounts for 3.36%.
267,600 individual housing loans were issued, 1 184438+0 billion yuan.
For paid employees, provident fund loans are very helpful when buying a house. The report shows that in 20021year, Jiangsu issued 267,600 individual housing loans, 1 1843 1 billion yuan, down 4.23% year-on-year, 1.66%. Individual housing loans totaled 69.746 billion yuan.
From the perspective of personal loan business, according to the number of employees, the construction area is less than 90 square meters, accounting for 25.88%, 90- 144 square meters, accounting for 66.75%, and exceeding 144 square meters, accounting for 7.37%.
According to the number of employee loans, the purchase of new houses accounted for 62.06% (including 0.29% affordable housing), the purchase of second-hand houses accounted for 37. 18%, the construction, renovation and overhaul of self-occupied houses accounted for 0.0 1%, and others accounted for 0.75%.
In addition, 202 1, Jiangsu issued off-site loans 12986, with an amount of 484,246,900 yuan. At the same time, 6990 discount loans were issued to public companies, with an amount of 29.765438 million yuan +0.2639 million yuan.
When commercial banks issue personal housing loans,
When a commercial bank issues personal housing loans, it first requires the applicant to provide sufficient information to prove that it can bear the obligation to repay the loan. Secondly, the applicant is required to provide effective collateral to ensure loan repayment. In addition, the commercial bank will also examine the applicant's credit record to determine whether his loan application can be approved. Finally, commercial banks should also determine the loan amount and duration, as well as loan conditions such as interest rate according to the financial situation of the applicant. Only when all the above conditions are met will commercial banks issue individual housing loans.
How to issue personal first-hand housing loans in China Bank?
Personal first-hand housing loan issued by China Bank:
According to the contract, the lender will directly transfer the loan funds to the special account of the developer or house selling unit designated by the borrower for the purchase of the house. Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.
How long does it usually take for a bank loan to buy a house?
It will take about 1-2 months to release the loan. Commercial housing mortgage loan is about 1 month. Some banks lend money for a short time. If you want the bank to lend money faster, you can lend money with a receipt, and you can lend money within 3 working days after the transfer.
1. Mortgage actually refers to the loan that the buyer needs to repay to the bank on time after mortgage to buy a house. mortgage to buy a house refers to the loan behavior of taking the real estate assets as collateral to obtain a bank loan, repaying the principal and interest in installments according to the contract, and returning the collateral after the loan is paid off.
2. The bank loan interest rate is comprehensively evaluated according to the credit status of the loan. The preferential policy for the first home loan will determine the loan interest rate according to the credit status, collateral and national policy (whether it is the first home loan or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.
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1. Housing mortgage loan refers to the documents that the buyer must submit according to legal documents, such as applying for housing mortgage loan to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promises to issue loans to the buyer, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly allocates loan funds within the time limit stipulated in the contract. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually buy real estate, and owners of real estate, including developers and owners of second-hand houses, also need the participation of appraisal companies and mortgage guarantee companies when applying for loans. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
2. When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] [(1interest rate )× repayment months-1] Calculation principle: from the monthly contribution, the bank will charge the interest on the remaining principal first, and then charge it. The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
3. The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan issued by the housing fund management center entrusted by the commercial bank with the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
So much for the introduction of housing loans.