Renren loans can be divided into two categories: personal housing provident fund loans and personal business loans. Personal commercial loans can be roughly divided into six categories: (1) personal housing loans (including faster and existing houses); (2) Personal second-hand housing loans; (3) individual housing renovation loans; (4) Personal housing consumption loans; (five) personal commercial housing loans; (6) individual housing portfolio loans;
I. Personal housing provident fund loans
Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.
(a) individual housing provident fund loan period and interest rate
The loan period of individual housing provident fund is 1-30 years (including the loan period for purchasing second-hand houses is/kloc-0 1- 10/0 years), and the longest period shall not exceed the borrower's legal retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.
The interest rate of individual housing provident fund loans shall be implemented by the Housing System Reform Commission in accordance with the relevant provisions of the People's Bank of China. If the national legal interest rate is adjusted during the loan period, the loan interest rate will be adjusted accordingly. Loans already issued will not be adjusted in the current year, and the adjustment time will be next year 1 month 1 day. If the loan term is within one year (including one year), the loan interest rate will not be adjusted.
(two) the individual housing provident fund loan amount
The maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased or self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.
1. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and the calculation formula is:
The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).
2. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price;
3. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.
(C) the whole process of individual housing provident fund loan operation
1, consulting, receiving the form;
2. application;
3. Sign loan contracts and mortgage contracts;
4. Go through the mortgage registration formalities;
5. Go through the formalities of house registration;
6, for housing property insurance;
7. Loan transfer;
8. Monthly repayment;
9. Cancel loan settlement
(four) to apply for personal housing provident fund loans.
When applying for provident fund loans, the borrower shall first fill in the Application Form for Individual Housing Provident Fund Loans for Employees, which shall be sealed by the employer and submitted to the loan bank together with the following supporting materials:
1. ID card, household registration book and marital status certificate of both husband and wife of the borrower (original and photocopy provided);
2, the borrower's husband and wife units issued by the "economic income certificate" and "provident fund deposit certificate";
3, the purchase of housing should provide the purchase contract or agreement and the first payment receipt; Self-built housing should provide building approval documents;
4. Other supporting materials required by the lending bank.
The borrower shall provide the following information when applying for personal second-hand housing provident fund loans:
1. State-owned land use certificate and real estate license of the house purchased.
2, the purchase of housing evaluation report
3. ID cards and household registration books of the seller's husband and wife;
4. Purchase contract
(5) The borrower repays the loan.
According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:
1, 1-20 repay the loan principal and interest in cash to the loan bank every month;
2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can pre-deposit the repayment amount for several months at one time, or deposit all the repayment amount in the nearest bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest from the borrower's savings account.
The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.
1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.
2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.
Second, individuals purchase housing loans.
Personal housing loan refers to the loan issued by the borrower to the bank with the purchased house as collateral, including forward mortgage loan and existing home mortgage loan. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.
(a) the term of individual housing loans
The longest loan period of individual housing loan is 30 years.
(B) individual housing loan interest rates
The interest rate of individual housing loan shall be implemented in accordance with the relevant provisions of the People's Bank of China. If the national legal interest rate is adjusted during the loan period, the loan interest rate will be adjusted accordingly. Loans already granted will not be adjusted in the current year, and the adjustment time will be 1 month 1 day in the following year, and the new interest rate regulations will be implemented according to the interest rate grade.
(C) the whole process of individual housing loan operation
The whole process of individual housing loan can be roughly divided into three stages:
The first stage: application, bank investigation and approval;
In the second stage, mortgage, insurance and other procedures are completed, and bank loans are made;
The third stage is to repay the loan every month until the principal and interest of the loan are paid off and the mortgage is cancelled.
(4) Information to be provided for individual housing loans
When applying for individual housing loan, the borrower shall first fill in the Application Form for Individual Housing Loan and provide the following information:
1. Borrower information: (1) Borrower's legal identity document; (2) the borrower's economic income certificate or occupation certificate; (3) Borrowers with spouses need to provide proof of husband-wife relationship; (4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *; (5) If there is a guarantor, relevant information of the guarantor shall be provided.
2. Information of purchased house: (1) Letter of Intent for the purchase of commercial house contract or commercial house sales (pre-sale) contract signed by the borrower and the developer; (2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer; (3) Other documents or materials required by the lender.
(five) for personal housing mortgage registration procedures.
After the loan is approved, the buyer should sign a loan contract and a mortgage contract with the loan bank, and go through the mortgage registration formalities at the property management department under the jurisdiction of the property right with the following materials: (1) the original and photocopy of the ID card and marriage certificate of both husband and wife of the buyer; (2) Loan contract and mortgage contract; (3) Real estate mortgage application review registration form; (4) All purchase contracts; (5) Other information required by the real estate department.
The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.
(six) for personal housing loans, housing property insurance procedures.
Housing mortgage means that the debtor or the third party (mortgagor) takes the legally owned property right of the house as the loan repayment guarantee, and only takes its right value as the loan repayment guarantee. When the debtor fails to perform the repayment obligation, the creditor (mortgagee) can auction, sell or discount the house for priority compensation. Therefore, during the mortgage period, the mortgagee does not own the house as collateral, but uses it by the mortgagor himself, and has the obligation to take good care of it, including taking out insurance for the house to prevent the house from being damaged and destroyed due to accidents such as natural disasters.
The Measures for the Administration of Personal Housing Loans promulgated by the People's Bank of China clearly stipulates that the housing mortgaged by loans must be covered by housing property insurance, and it also stipulates that during the mortgage period, the losses caused to the mortgagee by the damage of the housing beyond the insurance liability due to the fault of the borrower shall be borne by the borrower.
Housing and property insurance procedures can be handled by loan banks, and borrowers can choose their own insurance companies. At present, there are two calculation methods of insurance premium:
(1) Insurance with loan amount: insurance premium = loan amount ×0.5‰× loan period;
(2) For house price insurance: insurance premium = total house price ×0.5‰× loan period;
The compensation for the above two insurance methods shall be calculated according to different compensation ranges. If there is housing price insurance, full compensation shall be made according to the actual loss amount; If the insurance is insured with the loan amount, the compensation amount shall be calculated as "actual loss amount × (loan amount ÷ replacement price of collateral)", and the difference of insufficient compensation shall be borne by the borrower.
(seven) the consequences of the borrower's failure to repay the loan on time.
1. There are two ways to repay the loan principal and interest, which shall be decided by the lender and the bank.
(1) average capital repayment method. During the loan period, the loan principal will be repaid in equal amount every month, and the loan interest will decrease with the principal month by month. Its calculation formula is:
Monthly repayment amount = loan principal/number of loan periods (months)+(loan principal-accumulated repayment principal amount) × monthly interest rate.
2. If the borrower fails to repay the loan on a monthly basis as stipulated in the loan contract, the lending bank will impose a daily penalty of 2. 1 ‰ on the overdue loan according to the relevant regulations of the People's Bank of China. When the following circumstances occur, the loan bank will dispose of the mortgaged house according to law.
(1) The borrower fails to repay the loan principal and interest for six consecutive months during the loan period;
(2) The loan principal and interest have not been paid off within three months after the loan contract expires.
(eight) the borrower has one of the following circumstances, the bank will not accept personal housing loans.
The applicant's age is 1, 18 years old or above 65 years old (excluding);
2. Natural persons without full capacity for civil conduct;
3. The applicant is unable to provide legal and valid identity certificate, income certificate, occupation certificate or false certificate;
4. Applicants with bad credit records have been found.
Second, personal second-hand housing loans.
Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.
When applying for personal second-hand housing loans, in addition to providing the borrower with information on personal housing loans, it shall also provide the following information:
1, a copy of the property right certificate of the purchased second-hand house or a copy of the pre-sale contract originally registered and filed;
2. The house sales contract signed with the seller and the transfer account provided by the seller;
3. Collateral assessment report issued by an assessment agency recognized by the lender;
4. Other documents or materials required by the lender.
Third, personal housing renovation loans.
Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.
When applying for personal housing renovation loans, in addition to providing the borrower with information on handling personal housing loans, it shall also provide the following information:
1. renovation contract of the house or original letter of intent, renovation budget and related materials;
2. If there is a designated transfer merchant, provide the merchant's bank account number;
3. If the borrower's house has been mortgaged in the bank and has not been fully paid off, a copy of the personal housing loan contract of the original personal housing loan and proof of his mortgaged rights shall be provided;
4. Collateral appraisal report issued by an appraisal institution recognized by the lender.
Fourth, personal housing consumption loans.
Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year. When handling individual housing portfolio loans, the borrower shall provide the following information in addition to the information on handling individual housing loans:
1. Original contract or letter of intent for purchasing large household items;
2. If there is a designated transfer merchant, provide the merchant's bank account number;
3. If the borrower's house has been mortgaged in the bank and has not been fully paid off, a copy of the personal housing loan contract of the original personal housing loan and proof of his mortgaged rights shall be provided;
4. Collateral appraisal report issued by an appraisal institution recognized by the lender.
Verb (abbreviation of verb) personal commercial housing loan
Personal commercial housing loans refer to loans issued by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.
Six, individual housing portfolio loans
Personal housing portfolio loan refers to a loan composed of housing provident fund loan and housing guarantee loan, that is, when an individual applying for housing provident fund loan is insufficient to pay the purchase price, the insufficient part applies to the bank for commercial housing loan. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans.
References:
Personal housing loan guide