Conditions that customers can apply for:
The loan object shall be a natural person with full capacity for civil conduct and meet the following conditions:
1. Have permanent residence or valid residence status in Jinan;
2 have a stable occupation and income, good credit, a fixed residence and the ability to repay the principal and interest of the loan;
3. The borrower and his unit have established a normal housing provident fund deposit relationship with the management center. By the time of the loan, the accumulated deposit is 12 months or more, and the full repayment is made continuously for 6 months or more;
4. A legal purchase contract or agreement has been signed, and the borrower must be the property owner agreed in the purchase contract;
5. The down payment of more than 30% of the total price of the purchased house has been paid;
6. Agree to use the purchased house or other houses recognized by the management center as collateral, or use the securities recognized by the provident fund management center as pledge.
Repayment method:
1. If the loan term is within 1 year (including one year), the one-time principal and interest repayment method will be adopted at maturity;
2. If the loan term exceeds 1 year, equal principal and interest repayment or average capital repayment shall be adopted.
Loan information:
The Borrower shall provide the original and duplicate copies of the following materials to the bank, one of which shall be submitted to the Provident Fund Center by the entrusted bank:
(1) Approval Form for Personal Housing Loan Application of Jinan Housing Provident Fund Management Center;
(2) Details of the deposit of the housing provident fund of the borrower and the repayment person;
(3) The borrower and the borrower's resident ID card, household registration book, repayment commitment letter, mortgage consent commitment letter and guarantee letter;
(4) proof of marital status;
(5) Commercial housing purchase contract;
(6) Effective proof that the borrower has paid the house purchase price of not less than the specified proportion;
(7) Personal credit certificate provided by the borrower and the unit where the borrower works together;
(8) Proof of family property inquiry issued by the real estate management department;
(9) Other materials required by the provident fund center from the borrower.
If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!