(1) condition

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

(2) Detailed process

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. The above is the first step of the real estate mortgage loan process.

2. According to the bank loan process, the bank will review the borrower's loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. According to the above mortgage loan process, after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

Two. Submit mortgage loan materials

(1) When the borrower applies for the maximum mortgage loan for individual housing with newly purchased housing or unsecured self-owned housing 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 proof of identity, marital status and solvency to the loan bank (if the above materials are already in the original loan application form 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 in 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 legal basis of mortgage loan.

Guarantee law

Article 33 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

The term "mortgage" as mentioned in this Law means that the debtor or a third party does not transfer the possession of the property listed in Article 34 of this Law, and uses the property as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the debt or give priority to compensation with the price of auction or sale of the property in accordance with the provisions of this law. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the collateral.

According to the law, we can know that the premise of mortgage loan is to have a fixed residence in China and a fixed residence (or valid certificate) in a local town. China citizens who have full capacity for civil conduct and meet the conditions prescribed by law can apply for personal comprehensive consumption loans.