I. Flowchart of Personal Housing Loan
Consultation → Apply for a loan (borrower) → Review (provide information) → Sign a loan contract and mortgage contract (bank) → Apply for a contract work permit (notary office) → Relevant insurance (insurance company) → Apply for mortgage registration of house property rights (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repayment by the borrower → Cancel registration of mortgaged property (all loans are paid off).
Second, the detailed introduction of the flow chart
(1) Consultation
When customers need to apply for housing mortgage loans when buying owner-occupied housing in cities and towns of this city, they can consult the individual housing mortgage loan business departments of all branches (departments) of the bank in detail to understand the types, loan targets and loan amount of housing mortgage loans. If you meet the issuance conditions, the bank will provide you with a mortgage application.
(1) You are an employee who has paid the housing provident fund according to the regulations, and you can apply for a personal housing provident fund loan.
(2) You can apply for a personal housing commercial loan if you buy a house that ICBC has a cooperation agreement with the selling unit to provide mortgage loans.
(two) to apply for housing loans to the loan bank.
1. Provide information and evidence
When the loan bank has accepted your application for housing loan, please provide the required information and proof when handling this business. The following information will give you a comprehensive understanding.
2. Loan amount
1. Loan amount = (sum of monthly salary base of housing provident fund calculated by the borrower, spouse and immediate family members participating in the loan) *35%* loan period (calculated on a monthly basis).
2. maximize. Announced by the municipal provident fund management center at the beginning of each year. It is now set at 654.38 million yuan, which shall not exceed 80% of the cost of purchasing, building, decorating and overhauling a house.
The loan bank will determine your actual loan amount according to the above two items when handling the personal housing provident fund loan business.
(three) the loan bank to review the materials and certificates provided by the borrower.
The bank examines whether the borrower belongs to the loan object, meets the loan conditions and has sufficient ability to repay the loan principal and interest, then determines the actual loan amount and informs the lender of the loan commitment.
(4) The borrower signs a contract with the loan bank.
1. The borrower, the loan bank and the house selling unit (guarantor) sign the housing individual housing accumulation fund or commercial loan contract.
2. The borrower signs a housing mortgage contract with the loan bank.
(5) notarization of loan contract and house mortgage contract.
1. Provide notarized materials (described later)
2 notary fees shall be borne by the lending bank (except for export houses).
(six) for real estate mortgage registration
When you receive the notarized loan contract and house mortgage contract from the notary office, you can register the real estate mortgage at the district or county real estate registration office where the house you purchased is located, and bring the following information:
1. Power of Attorney and Application for Registration of Other Rights in Real Estate sealed by the bank.
2. The loan contract and house mortgage contract notarized by the notary office.
If the real estate mortgage registration department agrees to register, it shall issue a registration certificate within ten days from the date of accepting the registration. The mortgage registration fee shall be borne by the borrower.
(seven) for the purchase of housing insurance procedures.
The bank assists you in handling insurance business, and the insurance premium is paid according to the regulations of the insurance company and borne by the borrower.
When you complete the above procedures, the bank will transfer the loan to the selling unit of the house you purchased.
(8) Repaying the loan
1. Ask the loan personnel for the loan contract and the house mortgage contract, and pay back 20 yuan every month from the next month.
A few days ago, the principal and interest of the loan were paid monthly.
2. You can open a current savings account with ICBC and authorize ICBC to withhold and remit it, so that ICBC can deduct the loan principal and interest from your savings account on a monthly basis, which saves you the trouble of paying cash in the bank every month.
(9) Pay off the loan and cancel the mortgage registration.
After you have paid and settled all the loan principal and interest and related expenses to the loan bank, you can get the mortgage certificate with the settlement certificate issued by the bank and go through the mortgage cancellation formalities at the original real estate registration authority.
Personal commercial housing loan process
Customer application-bank acceptance-house evaluation-bank investigation and approval-signing loan contract-handling insurance, notarization, mortgage (pre-registration)-issuing loan-repaying loan principal and interest-settling mortgage.
Please consult the local bank branch before clearing the loan, and the specific provisions shall be subject to the interpretation of the handling bank.