The house mortgaged by ICBC can be used for loans. Generally, applying for a loan through a mortgaged house requires additional conditions. You can go to ICBC for consultation, or you can call ICBC customer service number 95588 for consultation.
Extended data:
Can the house mortgaged by ICBC be mortgaged?
Through the mortgage loan model of ICBC's personal mortgage house, the amount that the owner can borrow from the mortgaged house is the repaid amount and the rising part of the house. After all, with the continuous repayment of mortgage loans, the loan balance will also decrease, and at the same time, with the rise of market house prices, the loanable amount will be more after the market price needs to be reassessed:
1. must be a citizen of China whose civil independent actor is between the age of 18 and the age of 65, and have a valid national identity certificate.
2. Have a proper occupation, a stable income, the ability to repay the principal and interest of the loan in full and on time, and a good credit record.
3. Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.
4. There is a legitimate financing purpose.
How to apply for personal housing mortgage loan of China Industrial and Commercial Bank?
What is the process for ICBC to handle housing mortgage loans?
1. Housing mortgage loan process: The borrower fills in the Application Form for Housing Mortgage Loan before the loan, and submits the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal identity certificate of the borrower; Ownership certificate of the house or proof that I have control over the house as stipulated by law; Appraisal report, appraisal certificate and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2 loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or at the final stage of the loan (amortization); ② Early settlement: If the borrower settles part or all of the loan in advance before the loan maturity date, he shall apply to the bank in advance according to the loan contract, and go to the designated accounting counter for repayment after the approval of the bank.
3. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents received by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation procedures with the borrower. Original mortgage registration department and loan settlement certificate.
4. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a housing mortgage loan contract and notarize it. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are included in the housing sales unit or construction unit specified in the house purchase contract or agreement.
Bank mortgage loans can be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. The use of real estate mortgage loans generally needs to be evaluated first. After evaluation, the loan can reach 70% or 80% of the evaluation price.
What are the procedures for ICBC to handle real estate mortgage loans?
1. ICBC real estate mortgage loan procedures: husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account in the last six months. During the mortgage period, the bank shall review the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a housing mortgage loan contract and notarize it.
2. After this contract is signed and notarized, the bank will transfer the borrower's deposits and loans to the house selling unit or construction unit agreed in the house purchase contract or agreement. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or evidence, personal account bank statement for nearly half a year. Extended information: ICBC housing mortgage loan conditions: natural person with full civil capacity, age 18 years old (inclusive) -65 years old (exclusive); The borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, and has lived in People's Republic of China (PRC) for one year and has a fixed residence and occupation; Have valid identity documents, household registration certificate (valid residence certificate) and marital status certificate (or unmarried statement). Good credit record and willingness to repay; Have a stable source of income and the ability to repay the loan principal and interest in full and on time; There is a clear purpose of the loan, in line with national laws.
3. Projects that are not used for borrowing and seeking illegal income, and projects explicitly prohibited by other national laws and regulations; Being able to provide legal, effective and reliable mortgage loans recognized by banks; Open a personal settlement account in China Industrial and Commercial Bank; Other conditions stipulated by the bank.
What is the mortgage loan process of ICBC?
1. To apply for a housing mortgage loan, you need to provide the following documents: real estate license, husband and wife's ID card, and a copy of the original ID card D household registration book. Need proof of unmarried. If the husband and wife's accounts are not together, provide a marriage certificate. Borrowing other people's housing mortgage loans, it should also provide the relevant information of the third party and the proof that the owner, husband and wife or others agree to the mortgage loan.
China Industrial and Commercial Bank Housing Mortgage Loan Procedures
1, housing mortgage loans can be loaned to 69 years old according to age. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Information needed to prepare the loan; Face to face bank; Bank filing and approval; After the bank has passed the audit, it will notify the borrower of the audit results and sign a loan contract with the borrower; Go to the Construction Committee for mortgage registration; Certificate of other rights issued by the Construction Committee; Handle insurance, notarization and other formalities as appropriate; The bank directly transfers the loan to the account agreed in the contract; The borrower shall repay the principal and interest in accordance with the provisions of the loan contract.
2. Housing mortgage loan application materials: real estate license (real estate license and land certificate in housing mortgage bank loan must be mortgaged to the bank); Identity cards of creditors and spouses; Household register of creditors and spouses; Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans.
3. If the owner of the real estate license has minor children, please provide a birth certificate; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the mortgage loan pass rate, please provide other family property certificates (such as other property certificates, stocks, funds, cash passbook, vehicle driving license, etc.). ) try.
The process and cost of ICBC's mortgage loan for real estate license.
The process of real estate mortgage is very simple. Providing information-evaluation-qualification review-loan approval-mortgage-the whole mortgage loan process generally has only one evaluation fee. For others, unless there is something wrong with your qualifications, the bank will force some notarization and insurance, and the cost is very low.
The difference between ICBC mortgage and personal loan
ICBC mortgage and personal loan are different loan types, and there are many differences between them.
ICBC mortgage refers to the loans provided by banks to customers for buying houses, dangerous houses or other housing-related loans. Its loan amount is generally larger and the term is longer, which can provide more loan term choices and can be flexibly arranged according to the actual situation of customers.
Personal loan refers to loans provided by banks to individuals for personal consumption needs such as consumption, tourism, education and purchase of home appliances. Its loan amount is generally small, and the term is also short, generally within 1 year, which can meet individual short-term capital needs.
Generally speaking, there are great differences between ICBC mortgage and personal loan in terms of loan amount, term and loan purpose. When applying for a loan, customers should reasonably choose the loan type that suits them according to their actual situation.
What are the repayment methods of ICBC's housing loan?
1, ICBC mortgages are divided into three ways, namely, one-time repayment, equal principal and interest repayment and equal principal repayment.
2. One-time repayment with loan term of 1 year, equal repayment or equal principal repayment with loan term exceeding 1 year.
Under the repayment method of equal principal and interest, the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the monthly repayment period, the total amount of interest paid is higher than the repayment method of equal principal.
Under the repayment method of average capital, the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest part decreases month by month. The total amount of interest paid during the repayment period is lower than that of the equal repayment method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the equal repayment method.
Can ICBC get a loan with a mortgage?
Of course you can get a loan. As long as the mortgage is repaid on time and your personal credit is not affected, the loan will be fine. Generally, you only need to provide personal identification and proof of stable income.
How much can ICBC borrow with a house mortgage loan?
In general, the maximum mortgage loan can be 70% of the house value, and the amount of the next payment is related to the value of the house mortgaged by the lender. If it is a house with a market value of 1 10,000, you can apply for a loan of 700,000, and customers can consult the local industrial and commercial bank.
After handling the mortgage loan, the customer should remember to repay the loan in time as agreed. If the customer is overdue, it will affect his personal credit, resulting in penalty interest. If there are many overdue times, the bank will terminate the loan contract in advance and even dispose of the collateral according to the regulations.
The introduction of ICBC's mortgage loan ends here.