Handling housing mortgage loan in China Construction Bank, the relevant contents are as follows:

I. Information of the Lender:

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence;

3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

4. Willing and able to provide real estate mortgage approved by the lender;

5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

Second, the conditions of mortgaged property:

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

Three. Materials to be submitted by the Lender:

1, ID card, household registration book; Personal income certificate (stamped with the official seal of the unit);

2. Copy of the business license of the unit (with official seal);

3. Marriage certificate; Identity card and household registration book of the borrower's spouse;

4. The original and photocopy of the house ownership certificate and the original purchase agreement;

5. The notarial certificate of the house owner and the house owner agreeing to mortgage and the certificate of loan use.

Fourth, the handling process:

1, go to the bank to find out the relevant information and bring all the above information;

2. Handling loan contracts, insurance agency by banks, and notarization of property mortgage registration;

3. The borrower and the lender must be present and sign the mortgage loan contract. Please read every clause in the contract carefully before signing the contract, and don't leave out any details;

4. Accept the bank's review of you and determine the loan amount;

5. For bank loans, the borrower pays off the principal and interest after monthly repayment and cancellation of registration.

Conditions of CCB's housing mortgage loan

Mortgage loan, Mo Long is recommended, and it can be released within 2 hours at the earliest without mortgage. Audience: people over the age of 25-55 who need large loans, as well as non-online loan groups, such as Hua Bai and Du Xiaoman. Students and groups need to be excluded. Trustworthy.

The construction bank housing loan conditions are:

1. The borrower is over 18 and not over 65 years old.

2. Have a fixed address in the local area.

3. Have a stable economic income and be able to repay the loan principal and interest on time.

4. Be able to provide real estate recognized by China Construction Bank as collateral.

5, housing property rights should be clear, in line with the provisions of the state listing conditions.

6. Other conditions required by the Construction Bank.

For more information about loans, please consult Mollon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

Construction Bank mortgage loan processing process!

To apply for China Construction Bank's housing mortgage loan, we must first understand the bank's loan conditions.

Housing mortgage loan conditions of China Construction Bank:

1, with legal status;

2 have a stable economic income and the ability to repay the principal and interest of the loan;

3. The age is over 25 years old or the actual work experience is over 5 years;

4. There is a legal and effective housing transaction contract, and the first-hand housing transaction should also have a real housing appointment contract or related credentials;

5. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

6. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;

7. Real estate property rights are clear and can enter the market circulation;

8. It can provide effective guarantee recognized by CCB.

Secondly, it is necessary to clarify the process of applying for housing mortgage loans from CCB.

Housing Mortgage Loan Process of China Construction Bank;

1. loan application: understand the loan conditions, loan amount, term, interest rate repayment method, loan procedures, etc.

2. Preparation of loan application materials: personal and spouse ID cards; Household registration certificates and marriage certificates of individuals and their spouses; Personal work and income certificate; Relevant certification materials of mortgaged real estate; Proof of loan use; Other relevant certification materials stipulated by the bank.

3. House inspection and appraisal: The bank will contact the designated real estate appraisal institution for house inspection and appraisal, or the lender will go to the appraisal institution designated (recognized) by Bank of Beijing for house appraisal.

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the Construction Bank for approval. Approve the loan amount, term and other aspects according to the qualifications of the lender.

5. Mortgage registration procedures: go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract.

6. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.

What are the requirements for the housing mortgage loan of CCB?

To apply for housing mortgage loan in China Construction Bank, the following conditions need to be met:

1. The mortgagor is between 22 and 55 years old.

2. The mortgagor has a stable job and income in the local area.

3. The mortgagor can provide proof of repayment ability, such as proof of income, bank flow, etc. (China Construction Bank needs to provide bank flow for 6 consecutive months to apply for housing mortgage loan).

4. Mortgagor's liabilities should not be too high.

5. The mortgagor has a good credit record.

6. The mortgagor is preferably a customer of China Construction Bank.

Extended data:

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.

Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.

Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;