What are the procedures and conditions for buying a house loan?
Individuals applying for housing loans must meet the following conditions at the same time: 1, with permanent residence in cities and towns or valid residence status. 2, a stable economic income, good credit, the ability to repay the loan principal and interest. 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. 4. Self-raised funds of more than 30% of the total price of the purchased house are guaranteed to be used to pay the down payment of the purchased house. 5. There are assets mortgaged or pledged by the loan bank, or legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors. 6. Other conditions stipulated by the lending bank. Generally, the following procedures are required: 1, application procedures. 2. Review and approval. 3. sign the contract. 4. Loan. 5. Repayment.
Measures for the Administration of Urban Real Estate Mortgage Article 5 Real estate mortgage shall follow the principles of voluntariness, mutual benefit, fairness, honesty and credit. Real estate mortgage set according to law is protected by state laws. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
Housing loan process
The housing loan process is as follows:
1, the borrower signs a house purchase contract with the developer and pays the down payment.
2. The borrower applies for a loan and submits the loan information.
3. The bank accepts the investigation, acceptance and approval.
4. The bank signs a loan contract with the borrower.
5. Go through the formalities of notarization insurance.
6. Banks issue loans.
The required information is:
1, housing loan requires the borrower's personal housing loan application; A copy of the borrower's 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 certificates or other identity documents) shall be provided for housing loans; Housing loans must be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.
2 housing loans need to be legally purchased housing contracts, agreements and related approval documents; List of rights and ownership certificates of mortgage or pledge required for mortgage loan, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank; Buying a house loan requires the guarantor to provide a written promise of guarantee and the guarantor's credit certificate.
What are the procedures and conditions for buying a house loan?
Procedures: signing a house purchase contract; Pay the down payment for the house; Fill in relevant information in the bank; The bank examines the materials submitted by the applicant; If it meets the requirements, the bank will inform the applicant to apply for a loan.
Conditions: stable economic income and good reputation; Legal and effective purchase contract; Mortgage assets with loan license, etc.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 26 The lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.
Loan purchase process and matters needing attention
China Bank's personal first-hand housing loan is a commercial RMB loan that uses bank credit funds to purchase first-hand housing.
First, the following conditions need to be met when handling:
1) Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details;
2) Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
(3) A house purchase contract or agreement has been signed.
4) Must pay the down payment of the purchased house that meets the requirements of relevant regulations;
5) Provide effective guarantee recognized by the lender;
6) Other conditions stipulated by the lender.
Second, submit information:
1. Loan application;
2. Legally valid identity documents (referring to resident identity cards, household registration books, military officers' cards, home visits for Hong Kong and Macao compatriots or other valid residence documents);
3. Proof of marital status (marriage certificate or divorce certificate, unmarried person signing unmarried statement in a unified format)
4. Proof that the down payment of the purchased house has been paid;
5. Proof of economic income recognized by the lender (including the original or photocopy of your family's economic income, tax payment certificate, bank statement, bank passbook, securities, etc.). );
6. Purchase contract, agreement or other valid documents;
7. List of collateral secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral, and collateral valuation documents;
8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;
9. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;
10. Other information required by the lender.
1 1. Materials required for foreign loans (all foreign language materials must be translated by a regular domestic translation company and stamped with the official seal of the translation company):
1) Passport and foreigner's residence permit (Taiwan Province citizens provide ID cards, Taiwan compatriots' cards or home visits, and Hong Kong and Macao compatriots provide ID cards and travel passes);
2) Work certificate;
3) Personal income tax payment certificate (if the company is registered in other places, the company's business license, work certificate and income certificate must be notarized by the notary office of the company's registered place; If the company is abroad, its work certificate and income certificate must be certified by our local embassy).
Third, the application process:
1. The applicant submits the purchase information, pays the down payment, and signs the commercial housing sales contract;
2. The applicant submits a written application for individual first-hand housing loan and provides the above application materials;
3. The bank agency comprehensively evaluates the credit status and solvency of the applicant and guarantor, conducts pre-loan investigation through interviews, telephone verification and home visits, and completes customer information verification;
4. After accepting the loan application, the bank agency shall conduct corresponding examination and approval;
5. After the loan application is approved, you and the guarantor go through the relevant loan procedures within the specified time, and personally sign the relevant contract at the bank agency within the specified time to go through the formalities of using the money;
6. You clearly stipulate the repayment method and repayment plan in the loan contract, and authorize the lender to take the initiative to deduct the loan principal and interest from your designated account on the agreed repayment date.
4. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.