To apply for real estate mortgage loan, first of all, the real estate meets the conditions of bank mortgage loan: for example, the property rights of the real estate should be clear; The building age of the building should not be too long, not more than 20 years, and it is best to control it within 10 years; In addition, the property is strategically located and highly mobile. For the borrower, he must have a stable source of work and income, and can provide proof of income and proof of work of his unit; At the same time, we should have a good credit record. Judging from the loan information you provided, since you have no stable job for the time being, it is said that the conditions in this respect do not meet the requirements of bank loans, and it is difficult to apply for loans. But you can find a guarantee company to help you with the loan.
2. What conditions does China Industrial and Commercial Bank need for a loan?
Materials to be provided for the loan: applicant's ID card, household registration book, income certificate, property certificate, guarantor's ID card, household registration book, proof of marital status and other relevant materials that the bank needs the applicant to provide.
China Industrial and Commercial Bank has four kinds of loans: housing loans, consumer loans, commercial loans and special loans. Just choose the appropriate loan type.
I. Housing loan
It is subdivided into six types of loans: housing provident fund (portfolio) loans, first-hand personal housing loans, second-hand personal housing loans, fixed-interest personal housing loans, direct personal housing loans and personal self-built housing loans.
Second, consumer loans.
It is subdivided into seven types: financing e-loan, personal home consumption loan, easy loan, personal car loan, personal cultural consumption loan, personal student loan and personal study abroad loan.
Three. Operating loan
It is subdivided into four types: personal business loans, personal business loans, personal commercial vehicle loans and personal commercial housing loans.
Fourth, characteristic loans.
It is subdivided into five loan types: individual, personal loan online loan, personal loan card loan, personal entrusted loan and personal credit loan.
Personal business loan application conditions:
1. The age of a natural person with full capacity for civil conduct is between 18 and 60.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. It has legal business qualifications, and can provide business licenses for individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, or hold business licenses such as business licenses, merchant business licenses and booth licenses or other legal and valid business qualifications.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.
6 to provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
Extended data
Personal loan repayment method
(1) Equal repayment of principal and interest. This is the most common repayment method recommended by banks at present. The borrower repays the loan principal and interest with the same amount every month, that is, the total loan principal and interest are added up and evenly distributed to each month of the repayment period.
Using this repayment method, the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month. This repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high.
(2) Repayment of equal principal. This is also the repayment method commonly used by banks at present. The borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month.
This repayment method is suitable for people with higher income at present, but it is predicted that their income will decrease in the future.
(3) One-time repayment of principal and interest. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. However, when banks choose this repayment method, the approval will be stricter, and they are generally only open to small short-term loans. This repayment method is simple to operate, but its applicability is not strong.
(4) Pay interest and principal on schedule. After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. Not all banks have this repayment method, which is suitable for people with unstable income.
3. What are the conditions for a loan in ICBC?
Industrial and Commercial Bank of China (ICBC)
1 borrower 18 years old or older, and the loan time is 65 years old or older;
2. The applicant's credit information is good, and there is no bad record such as overdue;
The applicant has a stable job and income and the ability to repay the loan;
The applicant has a job in ICBC and certain assets.
Extended data:
Bank loan refers to an economic behavior that banks lend money at a certain interest rate according to national policies and return it within the agreed time limit. Generally, you need a guarantee, house mortgage, or proof of income to apply.
Borrower's office
Age 18-60 years old)
Have a stable job, a stable income, and the ability to repay the principal and interest of the loan on time.
The actual age of the borrower plus the loan application period shall not exceed 70.
Information to be provided by the borrower
Husband and wife ID card, household registration book/temporary residence permit, and foreigner household registration book.
Marriage certificate/divorce certificate or judgment/single certificate 2 copies.
Proof of income (format stipulated by the bank)
Copy of business license of the unit (with official seal)
Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Note: From May 20 10, you need to provide a tax payment certificate for nearly one year or a social security certificate for one year to prove that you are working in Beijing.
The seller shall provide materials.
Identity cards, household registration books and marriage certificates of both husband and wife); property ownership certificate
Information for foreigners to buy a house:
Taiwan Province Provincial People's Pass to and from the Mainland (which can prove the marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle the later house purchase and mortgage registration).
Notarial certificate of Hong Kong people-mortgage (entrusted to handle later house purchase-notarization of Chinese translation of passport, notarization of name (which can prove marital status), notarization of house purchase and mortgage registration)
Other nationalities-Chinese translation and notarization of passports and marriage certificates, mortgage and mortgage registration of public houses)
Four. ICBC loan terms
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.
6. It can provide legal, effective and reliable loan guarantee recognized by the lender.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
Extended data:
Loan type
I. Loans are divided into short-term loans, medium-term loans and long-term loans.
Short-term loans refer to loans with a loan term of 1 year.
Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Two, loans are divided into credit loans and secured loans according to whether there is guarantee or not.
Credit loans are loans issued by borrowers with good credit status. There is no "guarantor" and no other guarantee.
A secured loan refers to a loan provided by the borrower or a third party according to law. Secured loans include mortgage loans, mortgage loans.
Guarantee loan, mortgage loan or, refers to the loan issued by way of guarantee, mortgage or pledge as stipulated in the Guarantee Law of People's Republic of China (PRC). For example, personal housing loans and automobile consumption loans are all secured loans with housing or automobiles as collateral.
Third, for rural credit cooperatives, according to the object and purpose of loans, there are mainly rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmer loans, agricultural economic organizations loans and other loans.
Four, the main types of personal loans provided by commercial banks
(1) Personal housing loan, including:
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2, personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
(B), personal car consumption loans
(3) Personal durable consumer goods loans
(4) Personal policy loans