Personal housing loans, also known as personal housing loans, refer to loans issued by banks to borrowers for the purchase of ordinary houses for self-use. Borrowers must provide security when applying for a personal home loan. At present, there are three main types of personal housing loans: entrusted loans, self-operated loans and portfolio loans.

Personal mortgage loan application conditions

Have full civil capacity and legal and valid identity;

Have the ability to repay the principal and interest of the loan;

Credit In good condition;

A legal and valid house sales contract has been signed, and the house purchased is for residential purposes;

There is proof of a down payment of no less than the minimum required proportion;

In principle, the mortgage guarantee is set with the purchased house;

Other conditions stipulated by the Agricultural Bank of China.

Personal mortgage loan application process

1. Operational process

Provide consultation—>Accept application—>Pre-loan investigation—>Loan approval—>Loan issuance—> Loan recovery—>Loan management

2. Brief description of each link in the process

1. Providing consultation, accepting applications, and pre-loan investigation

(1) Provide The consulting manager provides consulting services to customers. The consulting content includes: types of personal housing loans that have been opened, objects, conditions, amounts, terms, interest rates, repayment methods, etc.

(2) After accepting the application, the borrower shall, after consulting with China Construction Bank, fill out the "Personal Housing Loan Application Form of China Construction Bank Zhejiang Branch" as required to apply for a loan, and provide the following information: ID card, mortgage Proof of marital relationship (if you are single, you must provide valid proof, proof of income of the borrower, purchase contract, down payment voucher, written proof of the guarantor’s agreement to guarantee and other relevant information required by China Construction Bank.

(3) Loan After accepting the loan application, the pre-loan investigation handler will investigate the completeness, authenticity, validity and legality of the "Application Form" submitted by the loan applicant and the required information. Through the pre-loan investigation, it is deemed that the loan conditions are met. Prepare for approval.

2. Loan approval

(1) The credit officer of the handling bank within the approval authority - the person in charge of the credit department - the person in charge of the handling bank

(2) Approval from the handling bank beyond the handling bank's approval authority - report to the superior bank's credit approval agency for approval. After investigation, the handling personnel shall state the situation in the "China Construction Bank Personal Housing Loan Approval Form" and Write the review opinions and submit the loan approval form and approval materials to the person in charge of the credit department. The person in charge of the credit department signs the approval opinions on the approval form and submits it to the branch manager in charge to sign on the approval form if the approval opinions exceed the branch's approval authority. , after the branch signs the approval opinion, it will be submitted to the credit approval agency of the superior bank for approval.

3. Loan grant

Sign the contract - handle mortgage (pledge) registration, insurance, notarization and other procedures. ——Fill in various vouchers after the contract comes into effect——The borrower opens a deposit account——Go through the loan transfer procedures

(1) After the contract is signed and the loan is approved, the handling staff will determine the purpose of the loan according to the purpose of the loan. The loan guarantee method requires that the contract be filled in and the relevant contract signed by the borrower (borrower, mortgagee (pledge), guarantor) and the authorized signatory of China Construction Bank.

(2) Handle the mortgage (pledge). ) mortgage registration, insurance notarization, opening of borrower's deposit account and other relevant procedures, after signing the mortgage (pledge) contract and receiving the mortgage (pledge) items, the credit department should register the "mortgage" item by item according to the mortgage (pledge) items. (Pledge) Property and Warrant Registration Book" and at the same time fill in the "China Construction Bank Mortgage (Pledge) Property Receipt Notice" according to the value of the mortgage (pledge) and stamp it with the name of the person in charge, the official seal of the business department and the borrower or mortgagee After the (pledge) person's name and seal are submitted, the mortgage (pledge) warrant, pledged property and warrants shall be submitted to the custody department and accounting department.

(3) Fill in various accounting documents after the contract takes effect.

(4) Handle the loan transfer procedures. After receiving the payment notice from the credit department and verifying that it is correct, the accounting department will handle the loan transfer procedures in accordance with relevant regulations and procedures. The transfer will use direct deposits or special transfers. One method of transfer.

4. Loan recovery

(1) Entrusted deduction method: The borrower should sign an entrusted deduction agreement with the lending bank.

(2) Counter repayment method: The borrower submits cash or credit card or savings card to the counter handler for processing.

5. Post-loan management

(1) Daily management: Track, manage, query and analyze the personal housing loans issued, including loan ledgers, daily loan notices, overdue loans Collection, post-loan inspection, inquiry statistics, and daily custody of collateral (pledge) until the loan is settled.

(2) Account liquidation and withdrawal of mortgage: When the borrower repays all the principal and interest of the loan on time, the credit department should write down the "Register of Mortgage (Pledge) and Warrants" and fill in the "China Construction Bank "Notice of transfer of collateral and pledged property" shall be notified to the accounting department and the mortgage (pledge) custody department. The accounting department, custodial department, and custodial department will handle the account liquidation and withdrawal procedures based on the verification.

(3) File management: After credit handling personnel complete each loan, they will regularly collect all relevant information, submit the original contract to the file manager, and go through the relevant handover procedures. A copy of the contract shall be kept by a dedicated person in the credit department for daily management. After the principal and interest of the loan are settled, the credit department should notify the archives clerk to formally archive the files.