Just fill in the required items to ensure that the most basic ID number, mobile phone number, address, income and other items are filled in correctly. \ x0d \ x0d \ Personal housing mortgage loan refers to: (1) mortgage transfer, that is, during the repayment period, borrowers (including first-hand buildings and second-hand buildings) who have applied for personal housing loans in ICBC or other banks need to transfer their property rights and mortgage loans to the transferee at the same time, and ICBC will continue to provide mortgage loans for the transferee. (2) Mortgaging, that is, the borrower transfers the personal housing mortgage loan handled in other banks to ICBC for handling; (3) Other types of mortgages, that is, applications for changing the borrower's business due to gifts, inheritance, divorce and other reasons. \x0d\\x0d\ Personal housing plus mortgage loan refers to the loan for house purchase and family consumption granted to existing personal housing loan customers (including first-hand buildings and second-hand buildings) of ICBC with the original loan collateral as the guarantee. Plus according to the general should be handled by the original loan handling bank. \x0d\\x0d\ Mortgage loan of existing home for individual housing refers to the business that the borrower applies for a loan from the bank with the commercial house (existing home, for which the real estate license has been issued) with full property rights as collateral for the purchase of housing and family consumption. \ x0d \ x0d \ ICBC individual housing loan application procedure: \ x0d \ x0d \ 1. Loan application procedure: \ \x0d\\x0d\ 1+0. After receiving your loan application and required documents, ICBC staff will conduct investigation and verification according to the working procedures stipulated by the bank. \x0d\ 2。 If your loan application is approved, the staff of ICBC will inform you to go through the insurance and notarization procedures at the designated time and place, and sign the Individual Housing Loan Contract or the Individual Housing Guarantee Loan Contract. After going through the mortgage registration formalities, fill in the iou and issue the loan. Insurance procedures can be handled by banks. \x0d\\x0d\ II。 The materials that the borrower should provide when handling the personal housing loan of China Industrial and Commercial Bank: \x0d\ x0d \ (1) The materials that the borrower should provide \ \ x0d \1+0, the application form for personal housing loan of China Industrial and Commercial Bank \x0d\ 2, and the identity documents (including residents) 3. Income certificate issued by the borrower's work unit or other certificates that can repay the loan principal and interest on schedule (including personal passbook, tax payment certificate, stock list, national debt, real estate certificate, etc.). )\x0d\ 4。 Original house sales contract. \x0d\ 5。 Invoice and down payment voucher for down payment. \x0d\ 6。 A notarized document issued by the co-owner of the mortgaged property and pledged property agreeing to mortgage and pledge. \x0d\ 7。 Entrusted deduction agreement. \x0d\ 8。 Original housing insurance policy with the bank as the first beneficiary. \ x0d \ x0d \ (II) Information to be provided by the second-hand building mortgage seller \x0d\ 1. ID card, household registration book and spouse ID card of the seller (including the co-owner of the house); \x0d\ 2。 Property certificate of the commercial house sold; \x0d\ 3。 Property appraisal report issued by appraisal company; \x0d\ 4。 If the house has been rented, proof of consent to move in is required; \x0d\ 5。 If the seller is an enterprise legal person, it must provide valid business license of enterprise legal person, certificate of legal representative, resolutions of the board of directors and other relevant documents. \x0d\\x0d\ (3) The seller of sub-mortgage business shall provide the following information \x0d\\x0d\ 1, real estate license; (Copy, ICBC's personal housing loan business is not required); \x0d\ 2。 ID card and household registration book of the seller (if there is a co-owner, the ID card and household registration book of the co-owner and the written statement of the co-owner agreeing to sell are required); \x0d\ 3。 The leased house shall provide a lease contract and a written agreement reached between the lessee and the buyer and seller through consultation; \x0d\ 4。 Original house purchase loan contract; \x0d\ 5。 The original application for house purchase loan is converted into a list of principal and interest owed on that day; \x0d\ 6。 Repayment of individual housing loans in the last three months; Bank statement; \x0d\ 7。 If the seller is an enterprise legal person, it shall provide valid business license of enterprise legal person, certificate of legal representative (if there is a client, the client shall issue a power of attorney and an ID card), articles of association, resolutions of the board of directors and other relevant documents; \x0d\ The seller handling the foreclosure loan also needs to provide: (the legal person will not accept the foreclosure loan for the time being); \x0d\ 8。 China Industrial and Commercial Bank individual housing (housing) loan application approval form; \x0d\ 9。 Real estate sales contract or agreement; \x0d\ 10。 The mortgage guarantee contract signed with Shenzhen Real Estate Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) (foreclosure); \x0d\ 1 1。 Application form for individual housing loan guarantee (form provided by the guarantee company); \x0d\ 12。 Power of attorney for mortgage loan transfer; \ x0d \ x0d \ (4) Individual plus mortgage borrowers shall submit the following materials: \x0d\ 1. China Industrial and Commercial Bank Personal Housing Loan Application Form; \x0d\ 2。 Legal and valid ID card; \x0d\ 3。 Original individual housing loan contract; \x0d\ 4。 Documents certifying the appraisal of the house by the real estate appraisal agency recognized by the lender; \x0d\ 5。 Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds, certificates of deposit, etc. ; \x0d\\x0d\ (5) The borrower of the existing mortgage loan for individual housing shall submit the following materials: \x0d\ 1. Real estate license; \x0d\ 2。 ID card and household registration book (if there is a co-owner, provide the ID card and household registration book of the co-owner and a written statement that the co-owner agrees to mortgage); \x0d\ 3。 If the mortgaged house has been rented, a lease agreement and a written agreement reached between the lessee and the borrower shall be provided; \x0d\ 4。 China Industrial and Commercial Bank's Application Form for Mortgage of Existing Home for Individual Housing (Annex 1)\x0d\ 5. Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds, certificates of deposit, etc. ; \x0d\ 6。 Appraisal report of the house by the real estate appraisal institution recognized by the lender; \x0d\ 7。 Relevant loan use certification materials \x0d\x0d\ charging standard \ x0d \ loan interest is charged according to the relevant provisions of the interest rate policy of the People's Bank of China. In case of national interest rate adjustment during the loan period, it shall be implemented in accordance with state regulations. \ x0d \ x0d \ Tips \x0d\ 1. Borrowers in Hong Kong and Macao must provide a letter of proof on the identity, occupation, income and address of the borrower issued by a local law firm qualified to handle notarization business in Chinese mainland. \x0d\ 2。 The maximum loan ratio of first-hand building personal housing mortgage loan is 80%, and the longest mortgage period is 30 years; The maximum mortgage ratio of first-hand commercial housing is 60%, the longest mortgage period is 10 year, and it must be an existing house; The maximum mortgage ratio of the second-hand building is 60%, and the longest mortgage period is 10 year. \x0d\ 3。 If you entrust others to handle mortgage business, you need to issue a notarized certificate of entrusted mortgage loan issued by the notary office. \x0d\ 4。 Plus the borrower's age and loan period, it shall not exceed 60. \x0d\ 5。 In the process of applying for mortgage loan, you need to pay insurance premium, notary fee, mortgage registration fee, stamp duty, lawyer's fee and other related expenses according to regulations. .