General banks basically stopped the mortgage lending business around the end of 1 1, mainly because the loan funds at the end of the year are limited and there is a need for settlement. It is recommended to apply for mortgage as soon as possible.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles 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 transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The longest loan period is not more than 30 years, the second-hand housing provident fund loan is not more than 15 years, and the loan amount is 70% of the appraised value of the house;
Procedure:
The borrower shall fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials to the bank:
The borrower's fixed income certificate issued by the borrower's unit;
Credit certification documents such as business license and legal person certificate of the loan guarantor;
Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
The bank examines the borrower's loan application, purchase contract, agreement and related materials.
The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
The loan applicant repays the loan on a monthly basis.
Loan terms:
1. has legal residence status;
Second, have a stable occupation and income;
Three, have the ability to repay the loan principal and interest on schedule;
Four, the assets recognized by the loan bank are mortgaged or pledged, or (and) there are guarantors who meet the requirements for their guarantee;
Five, there is a contract or agreement for the purchase of housing;
Six, when applying for a loan, there are not less than 30% of the funds needed for the purchase of houses in the Construction Bank; If the advance payment has been paid to the selling unit, the original and photocopy of the payment receipt are required.
7. Other conditions stipulated by the lending bank.