First, the maximum mortgage loan for individual housing refers to the loan that is issued by the Construction Bank to the borrower with credit funds, with the borrower's own housing as the maximum mortgage, and can be recycled within the validity period and loan amount.
1. loan purpose:
Used to support individuals to buy houses and recover loans.
2. Loan objectives:
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.
3. Loan terms:
(1) has legal status;
(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;
(3) There is a legal and effective purchase contract;
(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
(5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
(6) Being able to provide effective guarantee recognized by the loan bank;
(7) Other conditions stipulated by the lending bank.
4. Loan amount:
The maximum does not exceed 70% of the purchased housing price;
5. Term of loan:
Usually the longest is 30 years. If the newly purchased house is used as the maximum mortgage, the starting date of the validity period is the day before the signing date of the individual housing loan contract; If the original mortgage loan of China Construction Bank is converted into the maximum mortgage loan, the starting date of validity is the day before the original mortgage loan issuance date.
6. Loan interest rate:
The loan interest rate is the same as the individual housing loan interest rate.
Two. Materials to be submitted when applying for a loan:
1. When the borrower applies for the maximum mortgage loan for individual housing with the newly purchased house or unsecured self-owned house as the maximum mortgage, it shall provide; Identification materials; Proof of solvency; Down payment invoice;
In the "application for individual housing loan", the application for maximum mortgage loan for individual housing is put forward.
2. If the original mortgage loan in China Construction Bank is converted into the maximum mortgage loan for individual housing, the customer needs to fill in the Application Form for the Maximum Mortgage Loan for Individual Housing of China Construction Bank and provide the loan bank with proof of identity, marital status and solvency (if the above materials have been in the original loan application and there is no change when applying for the maximum mortgage loan, they can no longer be provided); Certificate of house ownership; Mortgaged property * * * A statement that someone agrees to handle the maximum mortgage; The original loan contract of the original housing mortgage loan.
3. If the original mortgage loan from other banks is converted into the maximum mortgage loan, the borrower needs to fill out the Application Form for the Maximum Mortgage Loan for Personal Housing of China Construction Bank and provide the lender with: the borrower's identity certificate and marital status certificate; Proof of the borrower's solvency; Certificate of house ownership; Mortgaged property * * * A statement that someone agrees to handle the maximum mortgage; The original loan contract of the original housing mortgage loan; The repayment record of the original housing mortgage loan in the past year.
Third, the customer loan process: the same individual housing loan. Materials to be provided for individual housing provident fund loans
(1) Application Form for Employee Housing Provident Fund Portfolio Loan in duplicate;
(2) passbook of housing provident fund of the borrower and spouse. If the spouse has a work unit but fails to pay the provident fund, a certificate of the unit and a certificate of the neighborhood Committee where the spouse is unemployed shall be issued;
(3) The original and photocopy of the ID card and residence booklet of the borrower and spouse;
(4)? Proof of marital status: the original and photocopy of the marriage certificate provided by the married person; Singles provide one-inch recent color photos and sign the unmarried statement in person;
(5) The income certificate issued by the personnel department of the borrower's family member's work unit, and the income certificate of foreign personnel shall be accompanied by a notarial certificate or tax payment certificate;
(6) The original and photocopy of the valid contract for the purchase of commercial housing or affordable housing;
(7) The borrower shall provide the original and photocopy of the bank cash payment form (borrowing from the real estate company) and the receipt or invoice issued by the real estate company. If you pay the down payment by credit card, you should provide the original and photocopy of POS single merchant stub and special transfer voucher. The down payment of commercial housing is not less than 30% of the house price, and the down payment of second-hand housing is not less than 40% of the house price;
(8) *** If the borrower is an employee outside the scope of the provincial unit provident fund management, provide the housing provident fund loan and housing provident fund deposit certificate issued by the housing provident fund management center of the city where it is located, and indicate the monthly deposit amount;
(9) If the loan term exceeds 15, * * the borrower shall provide proof that the borrower did not participate in the housing reform of the unit or raise funds to build a house. * * If the borrower is an employee outside the management scope of the provincial provident fund, the borrower shall provide proof that the municipal housing reform department did not participate in the housing reform.
Extended data:
loan limit
According to the current policy, the basic provident fund loan for each household does not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan. And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.
First, the maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.
1. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and the calculation formula is:
The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).
2. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price.
3. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.
2. When the borrower applies for provident fund loans, he should first fill in the Application Form for Personal Housing Provident Fund Loans for Employees, and submit it to the loan bank together with the following supporting materials after being sealed by the employer:
1. ID card, household registration book and marital status certificate of both husband and wife of the borrower (original and photocopy provided);
2, the borrower's husband and wife units issued by the "economic income certificate" and "provident fund payment certificate"
The situation proves ";
3, the purchase of housing should provide the purchase contract or agreement and the first payment receipt; Self-built housing should provide building approval documents;
4. Other supporting materials required by the lending bank.
Three, the borrower shall provide the following information when applying for personal second-hand housing provident fund loans:
1. State-owned land use certificate and real estate license of the house purchased;
2, the purchase of housing evaluation report;
3. ID cards and household registration books of the seller's husband and wife;
4. Purchase contract.
References:
Baidu Encyclopedia: Personal Housing Provident Fund Loan