The actual situation of the self-discipline mechanism of interest rate pricing in the people's market independently determines the commercialization within its jurisdiction. So the specific down payment of local outlets.
The above contents are for your reference. Please refer to the actual business regulations.
For example, bank online customer service.
You are cordially invited to download and use China Bank's mobile banking AP management related business.
Second, what is the proportion of housing loans?
The proportion of housing mortgage loans is generally 70%, and the specific loan amount is subject to the assessed value. If it is the first home loan, the maximum mortgage ratio is 80% of the house price, and the minimum down payment ratio is 20% of the house price. However, general lending institutions stipulate that the housing area should not be higher than 90 square meters before the down payment is 20%. Under normal circumstances, the mortgage down payment ratio is 30%, and the loan ratio is 70%. For second-home loans, the down payment ratio is generally not less than 60%, and the maximum loan ratio is 40%. The specific proportion of mortgage loans depends on the audit results of lending institutions. Housing mortgage loan application materials: real estate license (real estate license and land certificate in housing mortgage bank loan must be mortgaged to the bank); Identity cards of the obligee and his spouse; Household register of the obligee and spouse; Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. ); If the owner of the real estate license has minor children, please provide a birth certificate; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ). Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
3. What is the down payment ratio of individual housing loan?
For the loans of China Merchants Bank, the amount/down payment ratio of our housing loans (including first-hand buildings and second-hand buildings) is as follows:
The minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" will be adjusted to not less than 25%)
The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation!