1. The repayment method of commercial loans can be changed, that is, lenders with strong repayment ability, stable income and additional income sources can apply to the bank to change the repayment method.

2. The repayment date of the loan cannot be modified, that is, the repayment date is based on the loan date, that is, the loan begins to bear interest, so the date cannot be adjusted.

Loan application conditions

When applying for loans, Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of residence in Beijing, overseas and foreign citizens must meet the following conditions:

1, with legal residence status;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

7. Other conditions stipulated by the lending bank.

Extended data:

operation sequence/order

1. The borrower and the developer pay 30% of the house purchase price at the same time when signing the house purchase contract;

2. Submit relevant materials to the law firm for review;

3. The bank receives the Legal Opinion issued by the approved law firm, and signs a loan contract, mortgage contract and guarantee contract with the purchaser;

4. Handle mortgage registration, notarization of home insurance and contract according to relevant information, and issue loans.

5. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged.

perform formalities

1. The agency of China Construction Bank or the law firm (or notary office) entrusted by China Construction Bank investigates the information provided by the borrower.

2, CCB agencies to approve the borrower's application.

3. The borrower opens an account, obtains a savings card and signs a loan contract.

4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.

5. The loan contract takes effect and the funds are transferred to the developer's account.

Baidu encyclopedia-commercial loan