How to apply for personal housing mortgage loan business of Bank of China

Bank of China provides personal consumption loans. Personal consumption loans are divided into personal mortgage consumer loans and personal unsecured consumer loans based on whether there is a mortgage. The collateral for a personal consumption loan should meet the following conditions:

1. You have legal and complete ownership, a mortgageable property (including residential and commercial buildings) that complies with the "Security Law", and a mortgageable property that complies with the requirements of the Bank of China Farmers' housing property rights are stipulated in the Measures for the Administration of Mortgage Loans of Farmers' Housing Property Rights and have not been mortgaged to other creditors (except those that have been mortgaged to Bank of China according to previous loan contracts, but this should be handled at the original handling agency).

2. When applying for a personal consumption loan with a mortgage that is owned by a third party or that you and the third party share the ownership of, the owner of the mortgage or the owner of the mortgage must have the same ownership. People go to the bank to sign all relevant documents in person with their valid identity documents. If it is owned by shares, the applicant should provide proof of ownership to clarify its share; if it is owned by ***, the applicant should provide written documents in which all other parties have unanimously stated their consent.

3. Commercial buildings used as mortgages must have independent property rights, can be disposed of independently, are in good locations, and have high appreciation potential (please consult the local Bank of China outlet for specific standards).

4. If you have multiple mortgages, you can apply for one mortgage revolving line together, or you can apply for multiple mortgage revolving lines separately, but multiple mortgage revolving lines cannot use the same mortgage. If you have loan needs, you can consult your local Bank of China branch.

The above content is for your reference, please refer to actual business regulations.

How to apply for a personal housing mortgage loan?

1. Apply to banks and other financial institutions

1. Pre-loan consultation for borrowers: fill in the residential mortgage application form and submit the following supporting documents to the bank:

Proof of the borrower's fixed economic income issued by the lender's employer; credit certification documents such as the business license and legal person certificate of the loan guarantor. The borrower’s legally binding identification.

Relevant housing ownership certificates that comply with legal requirements or proof that I have the right to control the housing; valuation reports, appraisals and insurance documents for the mortgaged property; contracts, agreements or other supporting documents for the purchase and construction of housing; loans Other documents or materials required by the bank.

2. The bank will review the borrower’s loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the property ownership certificate and insurance policy or securities of the mortgaged property to the bank for collection.

4. The guarantors of both the borrower and the lender sign a housing mortgage loan contract and have it notarized.

5. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement by transfer.

6. Loan settlement, loan settlement includes normal settlement and early settlement.

①Normal settlement: settle the loan on the loan maturity date (one-time principal and interest payment type) or the last installment of the loan (amortization type);

②Early settlement Clearance: Before the loan maturity date, if the borrower partially or fully settles the loan in advance, he must apply to the bank in advance according to the loan contract, and then go to the designated accounting counter for repayment after approval by the bank.

After the loan is settled, the borrower should present his valid identity document and the loan settlement certificate issued by the bank to receive the legal certificate and relevant supporting documents collected by the bank, and present the loan settlement certificate to the original mortgage The registration department handles the mortgage registration and cancellation procedures.

2. Apply to the real estate mortgage online lending service platform

In addition to applying to banks and other financial institutions, borrowers can also apply to the real estate mortgage online lending service platform and apply to the real estate mortgage online lending service platform. Applying for a loan on a mortgage online lending service platform will be much faster than that of banks and other financial institutions.

Operation process

1. Submit loan application

2. Review customer information

3. Lender matching

5. Lending money on the same day if other certificates are issued

Extended information:

According to the "Urban Real Estate Mortgage Management Measures":

Article 36 The mortgaged real estate shall be occupied and managed by the mortgagor.

The mortgagor shall maintain the safety and integrity of the mortgaged real estate during the period of occupation and management of the mortgaged real estate. The mortgagee has the right to supervise and inspect the management of the mortgaged real estate in accordance with the provisions of the mortgage contract.

Article 37 The mortgage right may be transferred together with the creditor's right. When the mortgage right is transferred, a mortgage right transfer contract shall be signed and the mortgage right change registration shall be carried out. After the mortgage right is transferred, the original mortgagee shall notify the mortgagor.

With the consent of the mortgagee, the mortgaged real estate can be transferred or leased.

The proceeds from the transfer or lease of mortgaged real estate shall be used to repay the guaranteed creditor's rights to the mortgagee in advance. The portion exceeding the amount of the creditor's right shall belong to the mortgagor, and the remaining portion shall be paid off by the debtor.

Article 38: Due to the needs of national construction, the real estate that has been mortgaged is included in the scope, the mortgagor shall promptly notify the mortgagee in writing; both parties to the mortgage may reset the mortgaged real estate, or Credits and debts can be cleared according to law and the mortgage contract can be terminated.

Article 39: If the real estate occupied and managed by the mortgagor is damaged or lost, the mortgagor shall promptly notify the mortgagee of the situation and shall take measures to prevent the expansion of losses. When the mortgaged real estate suffers losses due to the mortgagor's actions and the value of the mortgaged real estate is insufficient to serve as a guarantee for the performance of the debt, the mortgagee has the right to require the mortgagor to re-provide or increase security to make up for the shortfall.

If the mortgagor is not at fault for the reduction in the value of the mortgaged real estate, the mortgagee may only require security to the extent of the compensation received by the mortgagor for the damage. The undiminished portion of the value of the mortgaged real estate remains as security for the debt.

Article 48 If the mortgagor conceals the existence of ownership, property rights disputes, or seizure or seizure of the mortgaged real estate, the mortgagor shall bear the legal liability arising therefrom.

Article 49 If the mortgagor sells, leases, exchanges, donates or otherwise disposes of the mortgaged real estate without authorization, his act shall be invalid; if any loss is caused to a third party, the mortgagor shall compensate it.

Article 50 If any dispute arises between the mortgage parties due to the performance of the mortgage contract or the disposal of the mortgaged real estate, they may resolve it through negotiation; if negotiation fails, the mortgage party may apply to an arbitration institution for arbitration based on the arbitration agreement reached by both parties; there is no arbitration If there is an agreement, you can also file a lawsuit directly with the people.

Article 51: When a real estate with a mortgage right is included in the scope due to the needs of national construction, the mortgagor violates the provisions of the aforementioned Article 38 and fails to liquidate the debt in accordance with the law and does not renew the mortgage. Where real estate is mortgaged, the mortgagee may file a lawsuit against the people.

Article 52 If a staff member of the registration authority, or takes advantage of his position to extort property from others, or illegally accepts property from others to seek benefits for others, he shall be given administrative sanctions in accordance with the law; if it constitutes a crime, he shall be punished in accordance with the law. Pursuing criminal liability.