For individuals to buy a house, in fact, the state has certain policy support. General housing loans are used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland. ? China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland. For individual housing loans with a term of more than one year, the repayment of principal and interest can be accepted by the preparation methods approved by Industrial Bank, such as equal principal and interest repayment method and average capital repayment method. Repaying the loan in advance because there is a demand for repaying the loan in advance, so after pleading for review, it is necessary to carefully check the situation of repaying the loan in advance, and it also takes great efforts to apply for approval.

Individual housing loan applicants

1. The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the 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.

2. Personal housing self-operated loans are loans issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

3. Personal housing portfolio loan refers to the loan granted to the same borrower for the purchase of self-occupied ordinary housing based on housing provident fund deposits and credit funds. It is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Term of individual housing loan

1. If you apply for a loan to purchase an ordinary self-occupied house for the first time, the maximum loan amount shall not exceed 80% of the net value of the collateral. Specific loan ratio policies can be consulted with local branches.

2. The longest loan period shall not exceed 30 years, and the loan period plus the borrower's age shall not exceed 70 years.

3, the first time to apply for a loan to buy ordinary self-occupied housing, the loan interest rate is not less than 0.7 times the benchmark interest rate of the corresponding grade announced by the People's Bank of China. In other cases, the loan interest rate shall be implemented within the benchmark interest rate of loans of the same grade published by the People's Bank of China and the corresponding floating ratio. Please consult your local branch for specific interest rate implementation policies. For individual housing loans with a repayment period of less than one year (inclusive), the principal and interest will be repaid at one time, and the interest will be paid off with the principal; You can also calculate the monthly (or quarterly) interest and settle the loan principal and interest at maturity.

If the lender wants to repay the loan in advance, it is normal to make a phone call or make a written request and keep my ID card and loan contract in the bank. As the trustee, the lender should take good care of the real estate license, settle other debt certificates that confirm the pledge in the bank, and go to the district construction committees to learn about the pledge. What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

Is there any limit on the amount of personal housing loan?

First, don't forget to surrender the loan in advance.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who has paid off the full amount, Hefu Microfinance is prepared to make a remaining loan in the bank, so that the lender can take out the remaining money to repay the loan in advance.

Second, we can't ignore the oath.

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.

Third, prepayment needs preparation.

At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.

After reading the introduction of the above article, everyone must know something about personal housing loans. Personal housing loans refer to loans issued by banks to borrowers for purchasing self-occupied public housing. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loan business is one of the main assets and property businesses of commercial banks. He refers to the housing that commercial banks open to borrowers, which is used for borrowers to buy houses for the first time, that is, loans that real estate developers or other qualified development entities sell to individuals after they start developing.