Handling loans requires us to prepare relevant information, which often involves three aspects: proof materials and forms, which is really a bit difficult to understand. For example, CCB's personal housing loan is handled by many people. Let's take a look at what information CCB needs to handle personal housing loans.
1. Applicant's identification materials: including resident identity card, household registration book, military officer's card, police officer's card, civilian cadre's card, passport, Taiwan Province compatriots' pass to and from the mainland, Hong Kong and Macao residents' pass to and from the mainland, residence certificate or other valid identity documents.
2. Proof of repayment ability: including proof of salary income, proof of investment and operation income or other proof of income.
3. Proof of house purchase: legal and effective house purchase (construction, overhaul) contract, agreement or (and) other approval documents.
4. Proof of down payment: including purchase down payment invoice, bank transfer certificate, or details of the seller's deposit account or proof that funds are deposited in a special account, etc.
5. Loan Application Form: The completed and signed "China Construction Bank Personal Housing Loan Application and Loan Investigation Report Approval Form".
6. Loan guarantee materials: mortgage or pledge guarantee method, list of mortgage or pledge rights, ownership certificate, etc. ; Guarantee method, providing the written commitment issued by the guarantor to provide the guarantee, the guarantor's guarantee ability certification materials, etc.
7. Other materials required by the Construction Bank.
I'm here to introduce what information CCB needs for personal housing loans, hoping to help everyone.
How to do CCB's personal mortgage? What are the mortgage requirements of CCB?
Personal housing loans are generally loans granted by China Construction Bank to natural persons who purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB personal mortgage is what we usually call "personal housing mortgage loan".
Personal housing loans are generally loans granted by China Construction Bank to natural persons who purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB personal mortgage is what we usually call "personal housing mortgage loan".
The intended use of the loan
Used to support our individuals to buy, build and renovate houses in Chinese mainland towns.
Potential borrower
China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct and right of abode in Chinese mainland, and foreigners with full capacity for civil conduct and right of abode in Chinese mainland.
Letter of credit clause
In general, the borrower must meet the following conditions:
(1) has legal status;
(2) have their own stable economic income, good credit, and have their own ability to repay the principal and interest of loans;
(3) There are relevant legal and effective contracts and agreements for house purchase, construction and overhaul, as well as other supporting documents required by the loan bank;
(4) Self-raised funds of more than 30% of the total price of the purchased house (if the construction area of the purchased self-occupied house is less than 90 square meters, the proportion of self-raised funds is generally 20%), and it is guaranteed to be used to pay the down payment of the purchased house;
(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Other conditions stipulated by the lending bank.
loan limit
High is 80% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled);
deadline
Generally not more than 30 years.
loan rate
In accordance with the relevant interest rate policies of China People's Bank and China Banking Regulatory Commission.
Information to be submitted when applying for a loan
(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents);
(2) Proof of the borrower's repayment ability recognized by the loan bank;
(3) Legal and effective housing purchase (construction, overhaul) contracts, agreements and relevant approval documents;
(4) Relevant certificates of self-raised funds used by the borrower to purchase (build or overhaul) the house;
(5) House sales (pre-sale) license or the property certificate of the building (existing house) (copy);
(6) Other documents and materials required by the lending bank.
Loan process
(1) loan consultation: learn about the object, loan conditions, loan amount, term, interest rate, repayment method and loan procedures of individual housing loans through outlets, telephones or websites;
(2) Loan application: submit the materials required for CCB to apply for individual housing loan;
(3) Signing: After the customer's application is approved, sign a housing loan contract with CCB;
(4) Loan issuance: CCB will issue loans according to the contract when conditions are met;
(5) Customer repayment: the customer repays the loan on time as agreed in the contract;
(6) Post-loan service: customers enjoy the new products and services provided by CCB.
In fact, everyone can consider CCB's personal mortgage. I believe that through the above, everyone knows what the mortgage requirements of CCB are. I hope to help friends who have ideas.
How to handle the mortgage of CCB? What are the procedures?
Need application materials:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status. Unmarried persons need to provide unmarried certificates, and divorced persons need to issue civil mediation or divorce certificates;
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Extended data:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.