(Operating environment: Google version 92.0.4515.131,China Industrial and Commercial Bank Mobile Banking App _ 7.0.1.0 Android version).
Generally in accordance with the contract.
The query methods are:
1. If it has not been processed, you can call 95588 for consultation;
2. ICBC's loan interest rate is generally agreed before lending, which can be inquired in the contract;
3. If you have already applied for a loan, you can specifically consult the loan handling bank and the loan department.
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I. ICBC loan interest rate
The annual interest rate of ICBC's short-term housing loan is 4.35%; The medium and long-term loan interest rate is 4.75% for one to five years; More than five years, 4.90%; Provident fund loans for less than five years are 2.75%; More than five years is 3.25%. However, these are limited to some areas. In first-tier cities, the interest rates of first home loans of many banks generally rose.
Two. Handling ICBC housing loan process:
1, apply. You submit a written loan application to ICBC and submit relevant materials;
2. Loan approval. ICBC approves loans according to your application materials;
3. sign the contract. After receiving the notice of loan approval from ICBC, you should go to the loan bank and sign a loan contract and corresponding guarantee contract with ICBC, and go through the formalities of registration and notarization of mortgage (pledge) as appropriate;
4. Issue loans. With the approval of ICBC, ICBC will transfer the loan funds into the bank account opened by the real estate development enterprise or the ICBC supervision account agreed with the borrower according to the loan contract after completing the relevant formalities;
5. Repay on schedule. After the loan is issued, you must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;
6. loan settlement. Loan settlement includes normal settlement and early settlement. (1) Normal settlement: the last installment of the loan is settled.
(2) Early settlement: If part or all of the loan is settled before the loan maturity date, an application shall be made to ICBC in advance according to the loan contract, and repayment shall be made at the designated accounting counter after approval by ICBC. After ICBC's housing loan is settled, you should bring your valid ID card and the loan settlement certificate issued by the handling bank, retrieve the legal documents and relevant supporting documents extracted by ICBC, and go through the mortgage registration cancellation procedures with the loan settlement certificate to the original mortgage registration department.