Thirty percent interest rate for first-time home buyers, and business tax exemption for second-hand homes.

The operation process of personal home purchase mortgage loans includes two parts: property review and loan issuance

1. Property review

Before the borrower applies, the credit union ( Department) needs to review the properties that intend to provide personal home purchase loans. The property review operation process is: developer application → project investigation → review and approval → signing of project cooperation agreement → post-loan supervision.

The real estate company applies, and the credit union (ministry) requires the real estate company (hereinafter referred to as the "developer") to submit the following materials:

1. Written application;

2. Company information, including business license, tax registration certificate, legal person code certificate, articles of association, loan card, account opening status, company profile, legal representative or authorized agent certificate, shareholder meeting resolution, etc.;

< p>3. Project information, including real estate development enterprise qualification certificate, construction land planning license, construction project planning license, construction project construction license, state-owned land use certificate, project budget information, commercial housing pre-sale license, etc.

4. Rural Credit Cooperatives believe that other information needs to be provided.

The main contents of the project investigation include the legality of the procedures, the availability of project funds, the basic situation of the project, market prospects and efficiency status. Conduct on-site investigation of the project, verify the information and project situation, and then write an investigation report. Submit the investigation results to the review department. After approval, a "Personal House Purchase Consumption Loan Project Cooperation Agreement" will be signed with the developer.

2. Loan issuance operation process

The specific process is: borrower application → pre-loan investigation → review and approval → signing of loan contract → handling insurance, notarization, guarantee and other procedures → issuance Loan → Data archiving → Post-loan management → Loan repayment → House clearance and mortgage withdrawal.

(1) Borrower application

When a borrower applies for a personal house purchase loan, the house purchased must be an existing house or an off-plan house with a capped multi-story main structure and more than two-thirds of the total investment in the high-rise buildings. . The borrower is required to fill in the personal house purchase loan form and provide the following information:

1. Borrower’s identity document (resident ID card, household registration booklet or other valid residence documents);

2. Marriage Proof of status (if you are married, provide a marriage certificate or a certificate of spousal relationship issued by the marriage registration authority; if you are unmarried, provide a certificate of unmarried status);

3. Proof of down payment of not less than 30% of the house price; but For the purchase of the first self-occupied house with a building area of ??less than 90 square meters, the enforceable down payment ratio shall not be less than 20%; the down payment ratio for the purchase of a commercial storefront shall not be less than 40%.

4. A legally binding commercial housing sales contract uniformly printed by the real estate authority;

5. Proof that the person with the right to *** agrees to use the purchased house as collateral ;

6. Proof of the borrower’s family property and economic income. If the borrower’s family members jointly repay the loan, all parties must sign a joint repayment responsibility confirmation letter, clarifying whether one party is responsible for the joint repayment. If you are unable to repay the loan, other parties will still have to bear the responsibility for repayment.

(2) Acceptance and investigation

The credit department receives the above information, investigates the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determines whether to lend or not, and whether to lend or not. The amount and period, the main contents of the investigation include:

1. Whether the down payment is fully deposited in the special account for house sales opened at the credit union;

2. The price of the house Whether it is reasonable and equivalent to the market price of similar local properties;

3. Whether the loan period plus the age of the borrower exceeds 60 years;

4. Whether the mortgage guarantee is sufficient and valid, ***Whether someone has issued a legal document agreeing to the mortgage, and if necessary, require the borrower to provide a property evaluation report and other certificates of rights.

(3) Loan review and approval

The loan review department focuses on reviewing: 1. The authenticity of the house purchase behavior to prevent borrowers and developers from colluding to defraud bank loans; 2. Whether the house price is equivalent to the local market price of similar properties, if necessary, you can entrust an agency with real estate appraisal qualifications to conduct appraisal; 3. Whether someone has issued a legal written opinion agreeing to the mortgage; 4. The borrower repays the principal and interest of the loan ability;

After review by the loan review department, the loan amount and term can be proposed, and a "Personal House Purchase Loan Contract" can be signed with the borrower and developer, and submitted directly to the authorized approver for approval. When signing a loan contract, the manager takes the initiative to explain the terms of the contract to the borrower and guarantor.

The loan can only be issued after the borrower has completed the house insurance, notarization and mortgage pre-registration procedures. When disbursing a loan, the loan officer fills out the IOU, the borrower signs or fingerprints it, and the borrower signs the "Authorization Letter for Transfer and Deduction", and the credit union transfers the money directly to the developer's house sales office opened by the credit union. At the same time, the borrower is notified that the loan has been disbursed, and the developer issues a receipt certificate.