Mortgage loan procedures The commercial house purchased by the buyer must be the commercial house of the real estate development company that signed the mortgage agreement with the bank; Sign a house purchase contract with a real estate development enterprise, and pay a down payment of 20% of the total house purchase price; Apply to the bank for housing mortgage loan and submit relevant materials; The bank investigates the borrower and the information provided, and informs the borrower to go through the loan formalities in the bank if it meets the requirements; Insure the purchased house according to the loan term; The borrower will mortgage the purchased commercial house to the bank, and the real estate enterprise will go through the mortgage registration with the relevant departments and hand over the house ownership certificate to the bank for safekeeping.
The applicant requires: a natural person with full capacity for civil conduct, and meet the following conditions: valid identity certificate; Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; There is a purchase contract or agreement; Down payment of 20% or more; Other conditions stipulated by the lender.
Mortgage loan conditions:
1. The maximum amount of mortgage loan shall not exceed 80% of the total price of the purchased commercial house;
2. The loan term shall not exceed 30 years at the longest;
3. The loan interest rate shall be subject to the statutory interest rate of the People's Bank of China.
Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. Headquartered at No.55 Fuxingmennei Street, Beijing, it is a large state-owned bank managed by the central government and [1] one of the four largest banks in China. [2] China Industrial and Commercial Bank has the largest customer base in China and is one of the largest commercial banks in China. [3] It is also one of the top 500 enterprises in the world. [4] Its basic task is to raise social funds through domestic and foreign financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.