If the customer chooses floating interest rate, after the re-pricing cycle comes, use the latest LPR to calculate the specified basis point, calculate the new interest rate, and then implement it in the next cycle. If the LPR rises, the customer's mortgage interest rate will also rise. If the fixed interest rate is chosen, it will remain unchanged at 5.73%.
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:
Have permanent residence in cities and towns or valid residence status;
Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
There is a purchase contract or agreement;
Do not enjoy the purchase subsidy of not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;
There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;
Other conditions stipulated by the lender.
Treatment process
Loan application: the customer fills in and submits the application form and application materials designated by CCB.
Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
Loan approval: CCB approves loans.
Signing a contract: after the customer's loan is approved, sign a loan contract with CCB.
Loan issuance: CCB will issue loans after meeting the requirements.
Customer repayment: the customer repays the loan on time as agreed.
Loan settlement.
There are two main ways to withdraw loans:
Direct withdrawal: after the loan contract comes into effect, the borrower will directly transfer the loan to the deposit account opened in the loan bank according to the payment plan agreed in the contract.
Special withdrawal: after the loan contract comes into effect, the borrower entrusts the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or in installments according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents.
Housing provident fund loans should take the form of special extraction.