If it is a commercial house, the developer will assist in the whole process!

If it is a second-hand house, you can find an intermediary agent, and the service fee shall not exceed that of 600 yuan according to national regulations.

Go to a convenient bank for consultation and go through the formalities yourself.

The meaning of personal housing mortgage loan

Personal housing mortgage loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing. When the lender issues a loan, the borrower must provide a guarantee, which can be mortgaged, pledged or guaranteed separately, or the above three methods can be adopted at the same time. 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.

Second, the loan procedure

The borrower submits the application and related materials-the bank accepts the investigation-the bank examines and approves-both parties go through relevant procedures-and the bank issues the loan.

After receiving your housing loan application and materials, the bank staff will conduct investigation and verification according to the procedures. If you meet the loan conditions, we will inform you to go through the formalities of insurance, notarization and mortgage registration at the agreed time and place, or the bank will handle it on your behalf. Both parties sign legal documents such as loan contract, mortgage registration contract, pledge contract or guarantee contract. After you repay the loan principal and interest according to the contract, we will return the mortgage (pledge) certificate and insurance documents of the house you purchased.

Third, the borrower's conditions.

Applicants for individual housing loans shall be natural persons with full capacity for civil conduct and meet the following conditions:

(a) there is a down payment of not less than the proportion stipulated by the bank;

(2) Opening a deposit account in a bank;

(three) there is a contract or agreement for the purchase of housing;

(four) the borrower's age plus the loan period is generally not more than 65 years old;

(5) Having stable professional income and the ability to repay the principal and interest of loans;

(6) Having assets recognized by China Industrial and Commercial Bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors;

(7) Other conditions stipulated by the bank.

IV. Information to be provided by the Borrower

Please provide the following information when submitting the application approval form:

(1) Identity documents (resident ID card, household registration book or other valid residence documents);

(2) proof of economic income;

(3) A letter of intent for the contract and a house purchase contract that meet the requirements;

(4) The down payment bank deposit slip and the copy of the down payment receipt issued by the developer;

(5) List of mortgage or pledge, proof of ownership or right to use, and proof that the person who has the right to dispose of it agrees to mortgage or pledge;

(6) Other documents or materials required by the bank.

Verb (abbreviation of verb) loan term, amount and interest rate

(1) loan amount.

The amount of personal housing loan shall not be higher than 80% of the value of the house to be purchased or the actual total purchase cost assessed by the real estate appraisal agency (whichever is lower); The maximum loan amount of individual commercial housing is 60% of the purchased house price.

(2) loan term.

The term of individual housing loan can be up to 30 years; The maximum loan period for individual commercial housing shall not exceed 10 year.

(3) loan interest rate.

Individual housing loans shall be implemented in accordance with the interest rate of individual housing loans stipulated by the People's Bank of China; Personal commercial housing loans shall be implemented at the term interest rate stipulated by the People's Bank of China.

Repayment method of intransitive verbs

(1) If certificates of deposit and treasury bills are pledged, individual housing loans can be issued within one year, and the principal and interest will be repaid at one time;

(two) if the loan term is more than one year, the repayment method of equal principal and interest and the repayment method of average capital can be adopted.

After you pay off the principal and interest of the housing loan, we will assist you to go through the cancellation registration procedures of the loan mortgage in the relevant departments, and return all the ownership certificates and pledges related to the mortgage and pledge to you.

Seven. Mortgage and pledge

The collateral of personal housing loan mainly includes real estate and other fixed objects on the ground independently controlled by the mortgagor, the right to use state-owned land obtained by the mortgagor according to law, and other properties recognized by China Industrial and Commercial Bank; The pledge of personal housing loan mainly includes personal time deposit certificate (discount), national bonds, financial bonds, corporate bonds and so on.