Loans to individual housing buyers
-1. loan purpose: it is used to support individuals to buy and overhaul houses in Chinese mainland cities and towns. At present, its main products are mortgage and installment guarantee personal housing loans, commonly known as "personal housing mortgage loans".
2. Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan 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.
-3. Loan conditions: The borrower must meet the following conditions at the same time: (1) has legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (6) Other conditions stipulated by the lending bank.
-4. Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
-5. Loan term: Under normal circumstances, the longest loan term does not exceed 30 years.
-6. Loan interest rate: if the loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%; If the loan term is more than 5 years, the annual interest rate of the loan is 5.04% (implemented on February 2, 20021).
-7. Information to be submitted when applying for a loan:
-( 1) individual housing loan application;
-(2) Copy of identity documents (resident identity 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 or other identity documents);
(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;
(4) Legal house purchase (overhaul) contracts, agreements and relevant approval documents;
(5) List of rights of collateral or pledge and ownership certificate, certificate of consent to mortgage or pledge issued by the person with the right to dispose of it, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;
-(6) written commitment to provide guarantee issued by the guarantor and the guarantor's credit certificate;
-(7) Securities pledged by the borrower to the lending bank, such as certificates of deposit of China Construction Bank and voucher-type treasury bonds.
-(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;
-(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);
-( 10) If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book;
-( 1 1) Other documents and materials specified by the lending bank.
-8. Customer loan process:
-( 1) application. The customer submits a written loan application to the bank and submits relevant materials.
-(2) sign a contract. After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.
-(3) open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
-(4) loan recovery. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
(5) Repayment on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods to choose from: entrusted deduction and counter repayment.
-(6) loan settlement. Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan (one-time repayment of principal and interest) or the last loan (installment loan) before the loan maturity date; Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan). If the loan is settled in advance, the borrower must apply for early settlement 10 working days after paying off all the payables. After the loan is settled, the borrower receives the "loan settlement certificate" from the loan bank, retrieves the real estate ownership mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures with the "loan settlement certificate" issued by the loan bank.
-repayment method
—— If the loan term is within 1 year (including 1 year), the repayment method of principal and interest at maturity shall be implemented.
-If the loan term exceeds 65,438+0 years, the equal principal and interest repayment method and the average capital repayment method can be adopted. The borrower can choose the repayment method as needed, but only one repayment method can be selected for a loan contract, which cannot be changed after the contract is signed.
Matters needing attention
-1, provisions on repayment method
-If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 65,438+0 years, the loan principal and interest can be repaid by equal principal and interest, average capital or progressive repayment.
-2. Adjust interest rates
-( 1) Interest rate changes during the loan period shall be subject to the regulations of the People's Bank of China. If the loan term is within 1 year (including 1 year), if the legal interest rate is adjusted, the loan interest rate will not be adjusted, and the contract interest rate will continue to be implemented; If the loan term exceeds 1 year, if the legal interest rate is adjusted, the new interest rate will be implemented according to the corresponding interest rate grade from 1 next year.
-(2) The loan contract stipulates that after the loan contract is signed, during the loan period with the bank, if the legal loan interest rate is adjusted, the latest loan interest rate will be implemented when the loan account is opened.
-3. Adjustment of installment repayment plan
-( 1) After the loan is issued, if the loan interest rate changes, the interest rate will be adjusted on June 65438+ 10/day of the next year, and the installment repayment amount will be recalculated according to the outstanding loan balance, adjusted loan interest rate and remaining term;
(2) After prepayment, after the prepayment amount reaches the limit set by the loan bank, you can choose to recalculate the installment payment or continue repayment without changing the installment payment.
-4. Advance payment
-When individual commercial housing loans are repaid in installments, interest is generally calculated on schedule. In the current loan period, the borrower is generally not required to repay the loan, but to repay the amount payable in the next interest settlement period. Generally, the actual number of days in the current period of individual housing loan lending date is added to the next interest settlement period as the first loan.
-5, the principle of early repayment of loans
-( 1) Early repayment refers to the behavior that the borrower voluntarily proposes to repay part or all of the loan to the loan bank when he has certain repayment ability. Early repayment is regarded as the borrower's breach of contract (that is, it is not handled according to the contract), and the bank may charge liquidated damages if necessary.
-(2) Prerequisites for prepayment: the borrower has not defaulted on the previous loan, and the previous interest arrears, current interest and liquidated damages have been paid off; If the principal, interest and liquidated damages are in arrears, the default and current interest shall be returned first.
(3) If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of the principal and interest due shall be implemented. With the consent of the loan bank, the borrower may settle all the loans in advance, and calculate the interest according to the original contract interest rate and the actual service life, but may not repay part of the principal in advance.
——(4) If the loan term exceeds 65,438+0 years, during the loan period, the borrower can repay part or all of the loan principal and interest in advance with the consent of the loan bank after submitting a written application for prepayment to the bank, and the interest paid off in advance will not be calculated in the future, and the loan interest charged before will not be adjusted. If all the loans are paid off in advance, with the consent of the loan bank, interest will be charged according to the interest rate agreed in the contract, the loan balance and the actual number of days occupied.
-6. The principle of extending the loan term
-( 1) If the borrower needs to extend the repayment period of the loan for any reason, it shall submit the Application for Extension of Individual Housing Loan and relevant certificates to the loan bank 20 working days in advance;
-(2) Conditions: First, the loan term has not expired; Second, the borrower must pay off the loan interest, principal and payable liquidated damages before the extension.
(3) The borrower can only apply for an extension once;
(4) The sum of the original loan term and the extension term shall not exceed 30 years at the longest;
-7. Entrusted agent
—— If someone else is entrusted to repay the loan or sign a loan contract, the legal documents shall be deemed to have been delivered to the principal when they are delivered to the principal.
The above lists the main contents and precautions of bank housing loans.
Buying a house by loan is an important form of buying a house in today's society. Loans are divided into short-term loans and long-term loans. Smart people will know the necessity of buying a house with a loan. Buying a house with a loan requires that person to have enough income to pay the principal and interest of the loan, but for those who are unable to pay off the principal and interest of the loan every month, the bank will certainly not lend you money! But in fact, some people don't want to waste their money there, but spend their houses, land, ... Although it's a bit risky, it's a good idea. ...