1. A natural person of Chinese nationality with full capacity for civil conduct;

2. Have a legal identity and be able to provide ID card, household registration booklet, passport, military officer ID card (outsiders also need Temporary residence permit provided)

3. Have legal and stable economic income, good credit and no criminal record, and the ability to repay the principal and interest of the loan on time

, and have a non-agricultural household registration. Foreigners also need to have Guarantor who is from this city

5. The house purchased should also meet the following conditions:

* A private house that has obtained the "House Ownership Certificate" and is used as a residence*

* Clear property rights, unlimited transfer without mortgage*

6. Loan term and percentage meet the following standards:

* Loan term + house age <30 years ( China Merchants Bank property age plus 1 year);

* Loan term + borrower’s age <60 (male); <55 (female);

* Loan amount < house mortgage value* 70% (the mortgage value of the house is determined based on the lower of the appraisal price and the transaction price);

1. Information required for the loan:

1. Valid ID card of the borrower , household registration book, hand stamp,

* If you are unmarried, you need to provide a "Marriage Certificate" (indicate that you are not married) *

* If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate Certificate (both spouses do not have the same household registration) *

* Divorce requires a "Marriage Certificate" (stating that the divorce has not remarried) and a divorce certificate*

2. Proof of the borrower's income ( It is required to have the official seal of the unit or the seal of the labor department and fill it out completely and truthfully)

3. The seller’s valid ID card, household registration book, hand stamp, "House Ownership Certificate", "Land Use Rights Certificate"

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(2) Loan procedures

A: Mortgage loan

1. Acceptance

2. Evaluation

Evaluation Fee = Appraisal price * 0.5%, 2 appraisal working days

3. Loan approval (review by the guarantee company)

The Warrants Department notifies the customer to go to the designated bank to go through the loan review procedures. The borrower All relevant parties must be present in person

Loan approval takes 7 working days

4. Transfer of ownership

After the bank has passed the approval, it will notify the buyer and seller to go to the Housing Authority to handle the transfer procedures.

5. Receive the certificate

The transfer personnel must go to the Housing Authority to collect the certificate on the specified date.

6. Loan

The loan officer will hand over the warrant to the bank and the loan will be released within 3 working days.

, Closing

After the loan arrives and the loan procedures are completed, the Warrant Department will hand over all documents to the signing center, and the signing center will handle the closing procedures with the customer.

China Merchants Bank Mortgage

1. Information required to apply for a loan:

Seller: ID card, household registration booklet, hand seal, and "House Ownership Certificate" of the property owner ", "Land Use Rights Certificate";

Buyer: ID card, household registration booklet (marriage certificate is required when the couple does not have the same household registration) and divorce certificate of the borrower and the repayer or guarantor , hand stamp, "Personal Income Certificate" (China Merchants Bank and Guarantee Company Version), and foreigners need to provide temporary residence permit.

2. Relevant conditions for loans:

1. Conditions that the house purchased should meet:

*Private houses that have obtained the "House Ownership Certificate", The purpose is residential

＊The property rights of the house are clear and there is no restriction on transfer without mortgage.

2. The loan term is determined:

*Loan term + house age < 30 years (house age = loan processing year - house completion year + 1)

*Loan term + borrower’s age 〈 60 (male); 〈 55 (female) (civil servants and teachers can provide certificates to extend for 5 years)

3. The loan amount is determined:

Loan amount

The maximum loan ratio for a house currently purchased with an area of ??less than 50 square meters is 50% (based on the mortgage value of the house)

House purchased now The maximum loan ratio for a house with an area of ??50-60 square meters is 60% (based on the mortgage value of the house)

The maximum loan ratio for a house currently purchased with an area of ??60 square meters or more is 70% (based on the mortgage value of the house)

The maximum loan ratio for a house purchased now between 15 and 20 years old is 50%

(The mortgage value of the house is the lower of the transaction price and the appraised price Principles)

3. Loan-related procedures:

1. Receipt

2. Appraisal

Appraisal fee = Appraisal value * 0.5% 2 working days for evaluation

3. Incoming documents

4. On-site investigation by the guarantee company

Guarantee fee = loan amount * total principal and interest * amount + 200 (Guarantee company fee)

5. Bank interview

Witness fee = loan amount*1 ‰ (not less than 100, lawyer’s fee)

Warrants Department Notice The customer goes to the designated bank to go through the review procedures. The borrower and related parties must be present in person

Loan approval takes 7 working days

6. Transfer

After the bank approval is passed Notify the buyer and seller to go to the Housing Management Bureau to handle the transfer procedures

7. Obtain evidence

The transfer personnel will go to the Housing Management Bureau to collect the certificate of ownership on the specified date

8. House payment

The loan officer will hand over the warrant to the bank for 3 working days for loan release

9. Closing

After the loan is received and the loan procedures are completed, the Warrant Department will hand over all documents Go to the signing center, and the signing staff will complete the closing procedures with the customer

IV. Remarks

1. The borrower must have a non-agricultural household registration, have legal and stable economic income, and have good credit. Criminal record, and the ability to repay the principal and interest of the loan on time

2. If the borrower is the third loan under his name, the interest rate must comply with the national benchmark interest rate.

3. If the borrower is unmarried, he or she is required to have a co-repayer or guarantor

4. If the borrower is married, his or her spouse is required to co-pay the repayment.

5. The borrower is a foreigner or has insufficient credit and needs to provide a guarantor

CCB personal housing provident fund (portfolio) loan process:

Required by both buyer and seller Materials:

Seller:

ID card, household register, hand stamp, "House Ownership Certificate", "Land Use Rights Certificate" of the property owner;

Buyer: The borrower’s ID card, household registration book, hand stamp, provident fund card, and inquiry form; if the borrower is married, the spouse’s ID card, household registration book, and hand stamp must be provided (the couple must provide a marriage certificate if they do not have the same household registration); double loan for couples In addition to the above information, the borrower's spouse needs to provide the provident fund card and inquiry form; if the combined loan exceeds the provident fund repayment capacity, the borrower's "Certificate of Fixed Economic Income of Employees" (CCB version) is also required.

Relevant conditions for loans:

1. The house purchased should meet the following conditions: 1) The private property that has obtained the "House Ownership Certificate" is designed to be residential;

2) The property rights of the house are clear, without mortgage, and unrestricted transfer;

2. The loan term is determined by taking the lowest of the following two items: 1) Loan term + borrower’s age ≤ 65 (male) ≤ 60 (Female);

2) The provident fund loan period cannot exceed 20 years;

3. The loan amount is determined by taking the lowest of the following 4 items:

1) Repayment Calculation of repayment ability:

Loan amount = monthly payment / (unit payment ratio + individual payment ratio) * (repayment ability coefficient + unit payment ratio) *12* Loan term;

(The repayment ability coefficient for loan period 1-10 years is 0.35, and the coefficient for 11-20 years is 0.40)

2) House price calculation: loan amount = house mortgage value * 80% < /p>

(The mortgage value of the house is based on the lower principle of transaction price and appraisal price)

3) Calculation of card balance: loan amount = card balance * 15 times (if the card balance is less than 10,000 Calculated based on 10,000 yuan);

4) Calculation of the maximum loan limit: The maximum loan limit is 250,000 yuan. For those who have already processed to increase the housing provident fund payment ratio (higher than 8%) or are applying for a housing provident fund loan For units that have paid and deposited the supplementary housing provident fund (or monthly housing subsidy) in full and continuously for more than six months before applying for a loan, the maximum employee loan limit can reach 300,000 yuan;

4. Continuously and in full before applying for a loan Employees who have paid into the housing provident fund for six months or more and have full capacity for civil conduct.

Fees:

1. Appraisal fee = Appraisal value * 5 ‰ (Appraisal company fee)

2. Insurance premium = Loan amount * Financial loss rate * Property loss coefficient (insurance company fees)

3. First month's repayment = "Repayment Schedule" * Loan amount (bank fees)

4. Other expenses 100 yuan< /p>

Loan process:

Receipt → Issue evaluation report (on the day of receipt) → → Loan preparation → → Bank receipt (every Monday and Thursday) → → Bank, provident fund center Approval (about a week)→→Bank interview (every Tuesday and Friday)→→Issue the documents for transfer →→Get other items (depending on the district housing bureau)→→The other items are returned to the bank, insured on the same day, and handed over to the bank →→The center approves the house payment→→Bank loan (about two weeks)→→End