To apply for a personal housing loan from CCB, you need to 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.

(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.

4. Loan amount: the maximum amount is 80% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled);

5. Loan term: Generally, the longest loan term does not exceed 30 years.

6. Loan interest rate: It shall be implemented in accordance with the relevant interest rate policies of the People's Bank of China and the China Banking Regulatory Commission.

Materials to be submitted for applying for individual housing loan of CCB:

(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.

CCB Personal Housing Loan Handling 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 new products and value-added services provided by CCB.

Second, how to handle CCB's personal housing loan?

1, pre-loan consultation. Consult the specific types, term, amount, interest rate level and repayment method of individual housing loans by telephone, internet or handling outlets, and ask for relevant information. 2. Loan application. Fill in and submit the Application Form for Individual Housing Loan and application materials designated by CCB. 3. Pre-loan investigation and interview. CCB conducts pre-loan investigation to ensure the authenticity of loan matters and loan information, and interviews borrowers to understand the loan situation, also in order to determine the details related to the loan. 4. Loan approval. After the first trial of the customer's written information, the credit personnel will report it to the examination and approval level by level. After approval, a bank loan commitment letter will be issued, which is valid for one month. 5. sign a contract. After the loan is approved, sign a loan contract with CCB. 6. Loan issuance. When the loan funds are transferred to the developer's account, the borrower receives the relevant contract text. 7. Customer repayment. According to the repayment plan, the principal and interest will be repaid from the month of the loan. 8. loan settlement. The loan contract is invalid.

3. What is the maximum mortgage loan for CCB's individual housing?

The loan type of the highest mortgage loan for individual housing in China Construction Bank is.

Application conditions:

1, new mortgage customers and mortgages;

2. Set the maximum mortgage for the existing unsecured houses;

3. It has been handled in CCB.

4. Customers who have applied for personal housing loans in other banks.

4. What is the handling process of CCB's housing mortgage loan?

Housing loan is a housing loan issued to the loan bank after the purchaser fills in the Application Form for Housing Mortgage Loan and provides legal documents. So, how to apply for a housing loan from China Construction Bank?

Construction Bank Housing Mortgage Loan Process:

1. loan application: understand the loan conditions, loan amount, term, interest rate repayment method, loan procedures, etc. And put forward the purpose, amount, duration and time of real estate mortgage loan.

2. Preparation of loan application materials: personal and spouse ID cards; Household registration certificates and marriage certificates of individuals and their spouses; Personal work and income certificate; Relevant certification materials of mortgaged real estate; Proof of loan use; Other relevant certification materials stipulated by the bank.

3. House inspection and appraisal: The bank will contact the designated real estate appraisal institution for house inspection and appraisal, or the lender will go to the appraisal institution designated (recognized) by Bank of Beijing for house appraisal.

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the Construction Bank for approval. Approve the loan amount, term and other aspects according to the qualifications of the lender.

5. Mortgage registration procedures: go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract.

6. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.