For people hospitalized or isolated with new pneumonia infection, isolated observers needed for epidemic prevention and control, people involved in epidemic prevention and control, and people who temporarily lost their source of livelihood due to the epidemic, the credit policy should be appropriately tilted, personal credit repayment arrangements such as housing mortgage and credit card should be flexibly adjusted, and the repayment period should be reasonably postponed.
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:
First, the full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan issued by commercial banks entrusted by housing fund management center with housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
Two, personal housing loans are loans issued by bank credit funds to individual buyers. Also known as commercial personal housing loans, personal housing secured loans.
Three, individual housing portfolio loans refers to the housing provident fund deposits and credit funds issued to the same borrower for the purchase of ordinary housing for their own use, is a combination of individual housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.