I. Introduction
Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals). Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan issued by the housing fund management center entrusted by commercial banks with housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Second, the loan conditions
The borrower must meet the following conditions:
(1) has legal identity.
(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.
(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.
(6) Other conditions stipulated by the lending bank.
Third, matters needing attention
1. Repay the loan principal and interest on schedule.
2. No false documents or materials shall be provided.
3. Without the consent of the lending bank, the property or rights and interests with mortgage or pledge shall not be removed, sold, transferred, donated or repeatedly mortgaged.
4. Do not change the purpose of the loan and misappropriate the loan without authorization.
5. Cooperate with loan banks to supervise and inspect the use of loans.
6. Do not sign contracts or agreements with other legal persons or economic organizations that are detrimental to the rights and interests of loan banks.
7. When the guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, the borrower shall implement a new guarantee or a new mortgage (pledge) according to the requirements of the loan bank.
Personal housing loans will also have certain risks, such as people with insufficient repayment ability will cause certain harm to themselves. Today, the related issues of personal housing loan policy introduced by Bian Xiao are all here, hoping to help everyone. If a friend is ready to buy a house and is interested in personal housing loan, he might as well look at the relevant knowledge of personal housing loan policy introduced by Bian Xiao above to see if he meets the conditions and requirements.