Mortgage is a commercial loan for individual housing and a self-operated loan issued by banks with their credit funds. Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property right housing as collateral when purchasing owner-occupied housing in the cities and towns of this city.

Two, apply for mortgage owners should have the qualifications.

1,/kloc-China citizens (including mainlanders, Hong Kong, Macao and Taiwan people) over 0/8 years old with full capacity for civil conduct.

2. When the loan expires, in principle, women should not exceed 55 years old and men should not exceed 60 years old.

3. Have a stable and legal occupation and income source, and have the ability to repay interest.

4. The borrower agrees to use the purchased house and its rights and interests as collateral.

5. Pay the down payment.

6. Other conditions required by the lending bank.

Third, the owners who choose the mortgage method need to provide materials.

1. Mainlanders provide ID cards and household registration books uniformly printed by public security departments.

Hong Kong, Macao and Taiwan people provide ID cards, home visit cards or Taiwan compatriots cards respectively.

2 mainlanders provide the original proof of income stamped with the official seal of the unit, and Hong Kong, Macao and Taiwan people provide tax bills issued by the local tax authorities;

3. Pay the down payment receipt (the down payment should account for more than 30% of the total payment).

4. Application form for personal housing mortgage loan signed by both parties.

5. Other conditions required by the lending bank (such as the passbook of the owner as the legal representative, the copy of the real estate license or business license and other property certificates).

Fourth, the mortgage process

* The mortgage owner shall provide the materials required in Article 3 of the Guidelines to the company (developer) or mortgage bank when signing the house sales contract.

* The mortgage owner fills in the Application Form for Personal Housing Mortgage Loan.

* The owners who have passed the bank audit participate in the joint office with the participation of developers, banks, notary offices and insurance companies.

* The mortgage owner signs the loan contract, loan receipt and other documents at the joint office site, and pays the insurance premium, notarization fee, mortgage registration fee, lawyer's fee and stamp duty.

* mortgage information to the bank signature and seal.

* Relevant materials shall be submitted to the Land and Resources Bureau for mortgage registration.

* Banks issue loans.

* According to the notice, the mortgage owner will transfer the money to the designated account from the month after the bank issues the loan, and get back the notarized loan guarantee contract, iou, etc. * The borrower will repay the loan on a monthly basis.

* All the loans are settled, the mortgaged property is cancelled, and the owner takes back the original invoices, real estate licenses and insurance policies.

Note: After joining the mortgage joint office, the mortgage owner starts to make contributions, and the mortgage owner should promptly deposit them into the deduction account opened by the bank for the owner;

Verb (abbreviation for verb) Tax payable on mortgage loan.

Expense Type Expense/Rate Billing Unit

1. Notary Office: 0.3% of the total sales price of the notarization fee sales contract.

The loan contract loan amount is 0.3%

2.0.65438+ 0% of the total sales price of insurance premium × loan term× discount factor insurance company.

3. The mortgage registration fee loan amount is less than or equal to 6,543.8+0,000 yuan, and 6,543.8+0,000 yuan/transaction of the Bureau of Land and Resources.

The loan amount is more than 6,543.8+0,000 yuan, and the loan amount is *0.0 1%.

4. Stamp duty loan amount *0.005% Inland Revenue Department

5. The lawyer's fee shall be charged according to the provisions of the loan bank.

The sum of the present value of the insurance premium payable per 10,000 yuan (from 1998 12 14)

Mortgage term

1 year

Biennium

Three years

Four years.

Five years.

Six years.

Seven years.

For eight years.

Nine years.

Ten years

Total premium

10

19.52

28.59

37.23

45.46

53.3

60.76

67.87

74.64

8 1.09

Mortgage term

Eleven years.

During the twelve-year period

Thirteen years.

Fourteen years.

Fifteen years

During the sixteen-year period

Seventeen years.

Eighteen years.

Nineteen years.

Twenty years.

Total premium

87.23

93.08

98.65

103.95

109

1 13.8 1

1 18.39

122.75

126.9 1

130.87

Calculation method of insurance premium: according to the amount coefficient in the term selection table, multiply the insured amount, that is:

Premium payable = present value of premium payable per 10,000 yuan insured amount * insured amount

For example, the mortgage term is 12 years, and the insured amount (total property price) is 555,000 yuan.

Premium payable =93.08*555000=5 165.94 yuan.

Note: The above charging standards are subject to change without prior notice.