I. Basic conditions
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2, has signed a house purchase contract with the company, according to the personal credit situation, and has paid the down payment ratio stipulated by the bank, as low as more than 20%;
3. The loan amount is determined according to the borrower's credit status, occupation, degree, repayment ability and the liquidity of the purchased house.
Two, should provide the following information
1, the house buyer has received more than 20% of the house price in the house purchase contract signed with the company;
2. The valid identity certificate and marital status certificate of the purchaser (marriage certificate or single certificate);
3 proof of income of the purchaser (provided by the sales office bank);
Three. General commercial terms
1. Generally, the loan term is less than 30 years, and the loan maturity date cannot exceed the borrower's age (male) of 65 years and (female) of 55 years in principle.
2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest every month, and the monthly repayment amount remains unchanged (interest rate adjustment changes).
Fourth, the housing mortgage loan process
1. The project sales team signs a house purchase contract with the purchaser and pays the required down payment according to the contract requirements;
2. Apply for contract registration in the real estate trading market within 5 days from the date of signing the commercial housing sales contract.
3. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the company's cooperative bank. Specifically, it includes: house sales contract (registration), house payment receipt, ID card, marriage certificate, income certificate and other materials that the bank considers necessary.
4. The loan bank investigates and reviews all aspects and processes of the property buyers, and goes through the preliminary procedures with the property buyers who meet the basic conditions (including the wife of the property buyers), including the loan application, repayment statement, commitment letter, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.
5. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.