Industrial and Commercial Bank of China mortgage loan process
The following documents shall be provided for residential mortgage loan: house property right certificate, ID cards of both husband and wife, original and photocopy of household registration book (unmarried proof shall be presented for unmarried couples) (marriage certificate shall be provided for those whose household registration accounts are not together), and relevant information of a third party and proof that all the husband and wife or * * * people agree to mortgage loan shall also be provided if mortgage loan is made from other people's houses.
Industrial and Commercial Bank of China real estate mortgage loan conditions
(1) The age is between 25 (inclusive) and 6 (inclusive); (2) The official staff who have worked in this unit for at least one year; (3) The legal and valid identity certificate and the household registration certificate of the place where the loan bank is located; (4) They have a good credit record and repayment willingness, without any illegal acts and bad records; (5)
as there may be differences in different regions, please contact the loan bank for confirmation before handling the specific requirements.
1. active and frequent settlement: the loan is settled on the loan maturity date (-secondary principal and interest service type) or the loan is finally (amortized); 2. Early settlement: If the loan is paid in part or in whole before the loan maturity date, the loan shall be paid in advance according to the loan contract. Apply to the bank and return it to the designated accounting counter after approval by the bank. 4. After the loan is settled, the borrower shall take back the legal certificates and related certificates held by the bank with his valid identity documents and the borrower's valid identity documents, and go to the original mortgage registration department with the loan statement.
What procedures are required for ICBC's real estate mortgage loan?
ICBC's real estate mortgage loan procedures:
1. Husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or personal account's bank statement for the past six months.
2. During mortgage loan, the bank examines the borrower's loan application, house purchase contract, agreement and relevant materials. The borrower submits the certificate of title and insurance policy or securities of the mortgaged property to the bank for custody. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
3. After the 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.
4. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or evidence, and bank statement of personal account for nearly half a year.
Extended information:
Conditions of ICBC's housing mortgage loan:
1. A natural person with full civil capacity, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in the People's Republic of China for one year and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4. Have a stable income source and the ability to repay the loan principal and interest in full and on time;
5. There is a clear purpose for the loan, and the purpose of the loan conforms to the national laws, regulations and relevant provisions, and the loan is promised not to flow into the securities market and futures market in any form or be used for equity investment or real estate project development.
it is not used for illegal income by borrowing, and other projects that are clearly prohibited by laws and regulations of other countries;
6. It can provide legal, effective and reliable house mortgage recognized by the bank;
7. Open a personal settlement account with ICBC;
8. Other conditions stipulated by the bank.