In the case of personal loans from China Merchants Bank, commercial houses and commercial houses with clear property rights and strong liquidity are accepted as mortgages, and the mortgaged real estate and loan handling institutions must be located in the same city. Personal housing mortgage loans do not accept off-site collateral.
Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan. If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply. Second, is it ok to buy a house with a loan from a different place? If so, what policies are there and what hands are needed? ...
You can handle it!
If it is a commercial house, the developer will assist in the whole process!
If it is a second-hand house, you can find an intermediary agent, and the service fee shall not exceed that of 600 yuan according to national regulations.
Go to a convenient bank for consultation and go through the formalities yourself.
The meaning of personal housing mortgage loan
Personal housing mortgage loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing. When the lender issues a loan, the borrower must provide a guarantee, which can be mortgaged, pledged or guaranteed separately, or the above three methods can be adopted at the same time. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Second, the loan procedure
The borrower submits the application and related materials-the bank accepts the investigation-the bank examines and approves-both parties go through relevant procedures-and the bank issues the loan.
After receiving your housing loan application and materials, the bank staff will conduct investigation and verification according to the procedures. If you meet the loan conditions, we will inform you to go through the formalities of insurance, notarization and mortgage registration at the agreed time and place, or the bank will handle it on your behalf. Both parties sign legal documents such as loan contract, mortgage registration contract, pledge contract or guarantee contract. After you repay the loan principal and interest according to the contract, we will return the mortgage (pledge) certificate and insurance documents of the house you purchased.
Third, the borrower's conditions.
Applicants for individual housing loans shall be natural persons with full capacity for civil conduct and meet the following conditions:
(a) there is a down payment of not less than the proportion stipulated by the bank;
(2) Opening a deposit account in a bank;
(three) there is a contract or agreement for the purchase of housing;
(four) the borrower's age plus the loan period is generally not more than 65 years old;
(5) Having stable professional income and the ability to repay the principal and interest of loans;
(6) Having assets recognized by China Industrial and Commercial Bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors;
(7) Other conditions stipulated by the bank.
IV. Information to be provided by the Borrower
Please provide the following information when submitting the application approval form:
(1) Identity documents (resident ID card, household registration book or other valid proof of residence);
(2) proof of economic income;
(3) A letter of intent for the contract and a house purchase contract that meet the requirements;
(4) The down payment bank deposit slip and the copy of the down payment receipt issued by the developer;
(5) List of mortgage or pledge, proof of ownership or right to use, and proof that the person who has the right to dispose of it agrees to mortgage or pledge;
(6) Other documents or materials required by the bank.
Verb (abbreviation of verb) loan term, amount and interest rate
(1) loan amount.
The amount of personal housing loan shall not be higher than 80% of the value of the house to be purchased or the actual total purchase cost assessed by the real estate appraisal agency (whichever is lower); The maximum loan amount of individual commercial housing is 60% of the purchased house price.
(2) loan term.
The term of individual housing loan can be up to 30 years; The maximum loan period for individual commercial housing shall not exceed 10 year.
(3) loan interest rate.
Individual housing loans shall be implemented in accordance with the interest rate of individual housing loans stipulated by the People's Bank of China; Personal commercial housing loans shall be implemented at the term interest rate stipulated by the People's Bank of China.
Repayment method of intransitive verbs
(1) If certificates of deposit and treasury bills are pledged, individual housing loans can be issued within one year, and the principal and interest will be repaid at one time;
(two) if the loan term is more than one year, the repayment method of equal principal and interest and the repayment method of average capital can be adopted.
After you pay off the principal and interest of the housing loan, we will assist you to go through the cancellation registration procedures of the loan mortgage in the relevant departments, and return all the ownership certificates and pledges related to the mortgage and pledge to you.
Seven. Mortgage and pledge
The collateral of personal housing loan mainly includes real estate and other fixed objects on the ground independently controlled by the mortgagor, the right to use state-owned land obtained by the mortgagor according to law, and other properties recognized by China Industrial and Commercial Bank; Pledges for personal housing loans mainly include personal time deposit certificates (discounted), national bonds, financial bonds and corporate bonds.
Third, can the provident fund loan buy a house in a different place? How to handle provident fund loans in different places
Nowadays, many people go out to work under the pressure of life. They have worked hard for many years, hoping to buy their own house, but there are many conditions for buying a house in other places. Many people are unfamiliar with buying a house, so they don't know much about buying a house. Buying a house is a very complicated matter, especially in other places. Many people have the same question, that is, can you buy a house with provident fund loans in other places? Next, Bian Xiao will introduce this problem to you!
Can provident fund loans buy a house in different places?
Buying a house in a different place can be a provident fund loan.
How to apply for provident fund loans in different places?
1, loan consultation
First of all, you need to consult the provident fund management center that applies for loans, and ask whether the local government allows you to apply for provident fund loans in different places. If so, what conditions are needed, what materials need to be prepared, and so on.
2. Loan application
Then, you need to submit an application for a loan from another place to the management center where the provident fund is deposited. The staff will confirm your application and see if the information you said is true. After confirmation, the staff will issue a certificate for you to pay and use the housing provident fund for employees with loans from different places.
Step 3 Submit information
You need to bring your ID card, house purchase contract and certificate of loan use in different places to the provident fund management center where you apply for a loan, and submit the information to the staff, who will review your information to confirm its authenticity and integrity. At the same time, the management center where you deposit the provident fund will mark your off-site loans and establish a detailed account of off-site loans.
Step 4 apply for a loan
After the data is approved, the provident fund center applying for the loan will handle the loan procedures for you and issue the loan to you. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge you to repay.
Second, what problems should be paid attention to in the off-site loan of provident fund?
1, be sure to consult in advance.
It is an essential step to consult in advance for provident fund loans in different places. The policy of off-site provident fund loan has not been introduced for a long time, so it may not be possible to apply for off-site provident fund loan. Please consult clearly in advance.
2. Understand relevant policies
You also need to know the relevant policies of provident fund loans in different places, otherwise you may encounter many obstacles in the process of handling because of lack of necessary knowledge, and you are likely to fall into a trap.
3. Pay attention to the safety of funds
Generally speaking, when applying for provident fund loans in different places, the location is different from the place where you want to buy a house, which may lead to untimely information communication. At this time, you should pay special attention to the safety of funds, because you may not know immediately whether the other party is a real seller when you give the other party a loan.
After the above introduction to Bian Xiao, everyone should know it now! You can use the provident fund to buy a house in the field, so people who work in the field can also use it if they have the housing provident fund. Of course, everyone should pay attention to some matters needing attention when buying a house with housing provident fund. Housing accumulation fund is a kind of welfare for employees, but only a few enterprises have housing accumulation fund. Therefore, everyone should work hard now and try to find jobs with housing provident fund.
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4. Can I borrow money to buy a house in a different place? If yes, what are the policies and procedures? (Jinzhou, Liaoning
It's simple. I just finished it. The proof of income, the printed copy of unmarried certificate, the three-month salary slip, the proof of income and the salary slip are basically false. My bank approved it within a week. Especially the first-hand house is even better, regardless of whether the accounts are the same or not.