Provided by China Bank.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of housing.

Personal housing loans can be divided into self-operated housing loans and entrusted housing loans (formerly known as policy housing)

Housing loan). Self-operated housing loan refers to the loan issued by the lender to the borrower with its own bank funds.

Housing loan. Entrusted housing loan means that the lender is dominated by housing reform funds.

Entrusted by the agency, the borrower is granted housing reform funds such as housing accumulation fund for the purchase of ordinary self-occupied housing.

There are housing loans.

Applicants for individual housing loans must meet the following conditions at the same time: (1) Having a city

Urban permanent residence or valid residence status; (two) have a stable occupation and economic income, letter.

Good ability to use and repay loan principal and interest; (three) there is a purchase contract or agreement.

The contract or agreement for the purchase of export housing shall be notarized; (four) do not enjoy housing subsidies.

Not less than 30% of the total house price as the down payment of the house; Enjoy housing subsidies

Take 30% of the personal commitment as the down payment for buying a house; (5) Approved by the Bank of China.

Mortgage or pledge of assets, or a unit or individual with sufficient compensatory capacity as a guarantor;

(6) Other conditions stipulated by the lender.

The borrower must provide the following information when applying for individual housing loan: (1) has legal effect.

Identity documents (referring to resident identity cards, household registration books or other valid residence certificates); (2)

Proof of stable income or tax payment of the borrower's family, bank statement or bank

Original and photocopy of passbook. If it has been paid, it shall provide more than 30% of the purchase price.

Original and photocopy of the certificate; (three) in accordance with the provisions of the purchase contract, letter of intent, agreement.

Or other approval documents; (four) rights and other materials that need to be mortgaged, pledged, guaranteed or insured.

Certificate of ownership, evaluation report, certificate of consent of the disposition holder to mortgage (pledge), and certificate issued by the competent department.

The mortgage evaluation certificate, the written document that the guarantor agrees to provide the guarantee and the qualification certificate of the guarantor.

Proof and financial information, insurance policy or insurance contract, etc. ; (5) Those who apply for entrusted housing loans,

Need to hold a certificate issued by the housing provident fund management department that has paid the provident fund; (6) loans

Other supporting documents or materials required by the payer.

Loan amount: the amount of housing loan shall not be greater than the planned purchase amount assessed by the real estate appraisal agency.

The purchase value shall not exceed the maximum limit set by the lending bank at the same time. Use of entrusted houses

When buying a house with a loan, the loan amount shall not exceed the retirement age of the borrower's family members.

2 times the amount of housing provident fund.

Term of the loan: the lender shall comprehensively consider the lender's economic income when determining the term of the loan.

Such as entry status, guarantee or mortgage status, insurance company status and other factors. It is necessary to reasonably determine the loan.

Terms of payment. The longest loan in RMB shall not exceed 20 years, and the longest loan in foreign currency shall not exceed 20 years.

More than five years.

Loan interest rate: China implements self-operated housing loan interest rate and entrusted housing loan interest rate.

Interest rate stipulated by the People's Bank of China. Personal housing loans issued by banks with foreign currency funds are being implemented.

The loan interest rate of the corresponding grade announced by the Bank of China.

Guarantee method: the lending bank should choose the guarantee method of individual housing loan according to the specific situation.

It can be: (1) taking the property of the borrower or a third party (including legal persons and natural persons) as the pledge.

Bet; (2) Mortgaging the property of the borrower or a third party (including legal persons and natural persons).

Including the house purchased with the loan as collateral; (3) Third-party joint liability guarantee; (4)

The guarantee of combination. The value of the mortgage or pledge provided by the borrower is less than the loan amount.

Part of it can be jointly and severally guaranteed by a third party; (5) The borrower has purchased comprehensive credit insurance.