Conditions for China Industrial and Commercial Bank to open a credit certificate I. Conditions for the borrower
1, a natural person aged 23 to 60 with full capacity for civil conduct;
2. Have a permanent residence in this city or a legal and valid residence status, and have a fixed residence;
3. The applicant has a stable occupation and income, and has the ability to repay the loan principal and interest on schedule;
4, I or family monthly income is less than 5000 yuan (inclusive), the monthly repayment amount should not exceed 50% of their monthly income;
5, the monthly income is higher than 5000 yuan, the monthly repayment amount should not exceed 70% of its monthly income;
6. Being able to provide mortgage guarantee for loans with legal and effective houses;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. Abide by the law and have no illegal or bad credit records;
9. Other conditions stipulated by the lending bank.
Two. Information to be submitted by the borrower
1. Original and photocopy of the borrower's ID card and household registration book, and proof of marital status;
2. When the borrower and his spouse are not in the same domicile, they shall provide the spouse's identity certificate and the original and photocopy of the household registration book;
A. Beijing urban residents: resident ID card, household registration book and marriage certificate (if the borrower's spouse is in the same household registration, marriage certificate is not required, only household registration book is required);
B. People from other places coming to Beijing: resident ID card, temporary residence permit and marriage certificate (if the borrower's spouse is in the same household registration, marriage certificate is not required, only household registration book is required).
3. Proof of income or employment;
4. Proof of residential address (it can be a certificate issued by the community management agency or police station where the borrower lives);
5. Copy of personal settlement account voucher issued by our bank;
6. A written document issued by the owner of the house agreeing to mortgage. If the applicant mortgages other people's houses (only between parents and children, and both parents and children must be persons with full capacity for civil conduct), notarized documents of the owner and the * * * person agreeing to mortgage shall be provided.
7. Proof of ownership of the mortgaged house;
Commercial housing: ① Property ownership certificate, ② State-owned land use certificate (if any), ③ Real estate sales contract, ④ Purchase invoice, and ⑤ Beijing commercial housing sales contract. In this article, the applicant must provide ① information, ② the cooperative intermediary agency will advise the applicant to provide the household land use certificate or the developer's large land use certificate according to the specific situation of the mortgaged house, ③ ④ ⑤ when the mortgaged house does not need to be evaluated.
Purchased public housing and affordable housing: ① property ownership certificate, ② state-owned land use certificate (if any), ③ real estate sales contract, ④ purchase invoice (if any), and ⑤ housing sales contract. If the mortgaged house is affordable housing, the information in Item 1 of this article shall be provided; If the mortgaged house is a purchased public house, the information in Item 1 and Item 5 of this article shall be provided. Other information can be provided by the lending bank as appropriate.
Three, the basic conditions for real estate mortgage.
1. The property must have clear property rights and meet the requirements for entering the real estate market stipulated by the Beijing Municipal Government. The construction period should be commercial housing, affordable housing, purchased public housing, high-grade apartments, villas, shops, office buildings or commercial and residential dual-use houses after 1982+0.
2. Commercial housing and purchased affordable housing. The purchased affordable housing refers to the affordable housing purchased according to the guiding price stipulated by the Beijing Municipal People's Government, including housing projects purchased by urban workers in this city at a cost higher than that stipulated by the state and the Municipal People's Government on the reform of the urban housing system and housing built by fund-raising cooperation;
3. Purchased public housing. Refers to the public housing purchased by urban workers in this city at cost price or standard price (including standard price preferential method) according to the provisions of the state and the Beijing Municipal People's Government on the reform policy of urban housing system;
4, the city's urban workers in accordance with the provisions of the state and the Municipal People's government on the reform policy of urban housing system, in accordance with the cost price or standard price to buy housing projects and fund-raising cooperative construction of housing, should be regarded as purchased public housing.
Introduction to Credit Certificate Credit certificate is an off-balance sheet credit business that promises to the tenderer in the form of credit certificate according to the requirements of the applicant (bidder) that when the applicant (bidder) wins the bid, it will meet the normal and reasonable credit demand of the project within the promised amount under the credit certificate during the implementation of the winning project.
Applicable conditions and objects:
Enterprises, institutions, legal persons or other economic organizations that open basic deposit account or general deposit accounts in banks; Good credit record, repayment of loan principal and interest on schedule; Have a reliable source of funds and be able to repay the loan under the bank credit certificate.
The basic principle of credit, the principle of safety
Refers to the bank's efforts to establish and avoid the risks and losses of credit funds in the process of operating credit business.
Liquidity principle
It refers to the principle that commercial banks can recover loan funds within a predetermined period of time or convert credit into cash quickly and without loss.
Profit principle