1. How to use ICBC's housing loan?

2. How to apply for personal housing mortgage loan of China Industrial and Commercial Bank?

3. How does China Industrial and Commercial Bank apply for personal housing mortgage loan?

4. What procedures do ICBC need for real estate mortgage loan?

5. What is ICBC's real estate mortgage loan process?

How to use ICBC's housing loan

What you should ask is the process of mortgage loan. You need to apply first, and after approval, the loan will be issued to your bank card.

ICBC's real estate mortgage loan process is mainly divided into the following links: first, application. Applicants need to apply for a loan in the credit department of ICBC, and then attach the information of their mortgaged real estate license and the identity information of the owner, which means that only the owner can mortgage the property. The second is auditing. When the credit center of ICBC receives the loan application request from the lender, the lender will evaluate the mortgage information materials and the identity information materials of the lender, and evaluate the output value of the real estate and the credit rating of the lender. The third is approval. When there is no problem in the evaluation and review of the applicant's loan application materials, the loan amount can be issued to the applicant himself according to the review results.

How to apply for personal housing mortgage loan of China Industrial and Commercial Bank?

What is the process for ICBC to handle housing mortgage loans?

1. Housing mortgage loan process: The borrower fills in the Application Form for Housing Mortgage Loan before the loan, and submits the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal identity certificate of the borrower; Ownership certificate of the house or proof that I have control over the house as stipulated by law; Appraisal report, appraisal certificate and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2 loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or at the final stage of the loan (amortization); ② Early settlement: If the borrower settles part or all of the loan in advance before the loan maturity date, he shall apply to the bank in advance according to the loan contract, and go to the designated accounting counter for repayment after the approval of the bank.

3. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents received by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation procedures with the borrower. Original mortgage registration department and loan settlement certificate.

4. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a housing mortgage loan contract and notarize it. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are included in the housing sales unit or construction unit specified in the house purchase contract or agreement.

Bank mortgage loans can be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. The use of real estate mortgage loans generally needs to be evaluated first. After evaluation, the loan can reach 70% or 80% of the evaluation price.

What are the procedures for ICBC to handle real estate mortgage loans?

1. ICBC real estate mortgage loan procedures: husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account in the last six months. During the mortgage period, the bank shall review the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantor of the borrower and the borrower shall sign a housing mortgage loan contract and notarize it.

2. After this contract is signed and notarized, the bank will transfer the borrower's deposits and loans to the house selling unit or construction unit agreed in the house purchase contract or agreement. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or evidence, personal account bank statement for nearly half a year. Extended information: ICBC housing mortgage loan conditions: natural person with full civil capacity, age 18 years old (inclusive) -65 years old (exclusive); The borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, and has lived in People's Republic of China (PRC) for one year and has a fixed residence and occupation; Have valid identity documents, household registration certificate (valid residence certificate) and marital status certificate (or unmarried statement). Good credit record and willingness to repay; Have a stable source of income and the ability to repay the loan principal and interest in full and on time; There is a clear purpose of the loan, in line with national laws.

3. Projects that are not used for borrowing and seeking illegal income, and projects explicitly prohibited by other national laws and regulations; Being able to provide legal, effective and reliable mortgage loans recognized by banks; Open a personal settlement account in China Industrial and Commercial Bank; Other conditions stipulated by the bank.

What is the mortgage loan process of ICBC?

1. To apply for a housing mortgage loan, you need to provide the following documents: real estate license, husband and wife's ID card, and a copy of the original ID card D household registration book. Need proof of unmarried. If the husband and wife's accounts are not together, provide a marriage certificate. Borrowing other people's housing mortgage loans, it should also provide the relevant information of the third party and the proof that the owner, husband and wife or others agree to the mortgage loan.

China Industrial and Commercial Bank Housing Mortgage Loan Procedures

1, housing mortgage loans can be loaned to 69 years old according to age. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Information needed to prepare the loan; Face to face bank; Bank filing and approval; After the bank has passed the audit, it will notify the borrower of the audit results and sign a loan contract with the borrower; Go to the Construction Committee for mortgage registration; Certificate of other rights issued by the Construction Committee; Handle insurance, notarization and other formalities as appropriate; The bank directly transfers the loan to the account agreed in the contract; The borrower shall repay the principal and interest in accordance with the provisions of the loan contract.

2. Housing mortgage loan application materials: real estate license (real estate license and land certificate in housing mortgage bank loan must be mortgaged to the bank); Identity cards of creditors and spouses; Household register of creditors and spouses; Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans.

3. If the owner of the real estate license has minor children, please provide a birth certificate; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the mortgage loan pass rate, please provide other family property certificates (such as other property certificates, stocks, funds, cash passbook, vehicle driving license, etc.). ) try.

The process and cost of ICBC's mortgage loan for real estate license.

The process of real estate mortgage is very simple. Providing information-evaluation-qualification review-loan approval-mortgage-the whole mortgage loan process generally has only one evaluation fee. For others, unless there is something wrong with your qualifications, the bank will force some notarization and insurance, and the cost is very low.

How does China Industrial and Commercial Bank apply for personal housing mortgage loan?

1. Housing mortgage procedures: the borrower fills in the application form for housing mortgage and submits the following bank documents before the loan: the certificate of fixed economic income of the loan issued by the borrower's unit; Business license, legal person certificate of loan guarantor, etc. Credit certificate: the legal and valid identity certificate of the borrower; In compliance with laws and regulations, the certificate of ownership of the house or the certificate that I have the right to dispose of the house; Appraisal report, appraisal report and insurance certificate of mortgaged real estate; Contract agreement or other supporting documents for the purchase and construction of houses; Other documents and materials required by the lending bank.

2 bank loan application, the borrower's purchase contract, agreement and related information inspection line. The borrower takes the property ownership certificate, insurance policy or price list of the property as collateral. Securities are deposited by banks. Notarization certificate that the borrower and the lender sign the House Mortgage Contract as a witness. After the loan contract is signed and notarized, the bank will deposit the borrower in the bank. Payment and loan are transferred to the location or building unit on the sales list specified in the purchase contract or agreement by transfer.

3. Payment settlement and loan settlement include normal settlement and early settlement.

Active and frequent settlement: on the maturity date of the loan (-secondary repayment of principal and interest) or at the end of the loan (amortization); 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 as agreed in 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 will take back the legal documents and relevant certificates held by the bank with his valid ID card and the borrower's valid ID card, and go to the original mortgage registration department with the loan statement. Cancel the program.

How to apply for personal housing mortgage loan of ICBC?

What can be mortgaged by the bank? 1 property. You can apply for a bank mortgage loan. The first thing to mortgage is real estate, such as personal good house, family good house, real estate and so on. Production plants, workshops, etc. Generally speaking, real estate mortgage needs to be evaluated first. After the appraisal, the maximum compensation can be 70% to 80% of the appraisal. What are the procedures for ICBC's real estate mortgage loan?

China Industrial and Commercial Bank's real estate mortgage procedures: husband and wife's ID card, household registration book, real estate license of marriage certificate room for nearly half a year, house purchase contract or personal account bank statement. When handling mortgage loans, we should review the bank's loan application, purchase contract, agreement and other related materials. The borrower deposits the title certificate and insurance policy securities of the mortgaged property in the bank. The guarantor of the borrower has signed a mortgage loan contract with the lender and notarized it. After the contract is signed and notarized, the bank will deposit money with the borrower. Payments and loans are transferred to the sales list specified in the purchase contract or agreement by transfer. Location or building unit. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or certificate, and bank personal account statement for the last six months. Extended exhibition materials: ICBC housing mortgage loan conditions: natural persons with full civil capacity between 65,438+08 and 65 years old (excluding): foreigners of foreign borrowers and residents of Hongkong, Macao and Taiwan Province provinces must live in People's Republic of China (PRC).

Having lived for one year and having a fixed residence and occupation; Have a valid ID card. Ming, proof of household registration (or valid residence permit), proof of marital status (or final marriage sound) has a good credit record and is willing to repay; Have a steady income. The source and ability to repay the loan principal and interest in full and on time; Clear the purpose of the loan, in line with national laws and regulations. Supervision and relevant regulations promise that loans will not flow into the securities market, futures market, equity investment and real estate project development in any form. Other laws and regulations of the state also clearly stipulate that it shall not be used to borrow money to seek illegal income. Prohibited projects; Can provide legal, effective and recognized by the bank. Rely on housing mortgage loan; Open a personal settlement account in China Industrial and Commercial Bank.

Excuse me, what procedures does ICBC need for real estate mortgage loan?

1. The guarantor's request is nothing important. If you guarantee your own house, there is no guarantor. 2. Collateral will be evaluated. 3. The bank evaluation is also 50, and the maximum loan is 70%. That's 35. 4. Capital flow is not illegal, as long as it is not speculation and stock trading. 5. Do you have to say that individual buildings can't be renovated? 6. Just make a personal consumption loan. You have to prove that you found a decoration company and signed a fake contract. 7. If the credit card is overdue, it will be difficult to apply.

What is ICBC's real estate mortgage loan process?

1. loan application: the borrower proposes the purpose, amount and term of the loan;

2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book and income certificate;

3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;

4, loan approval, the bank to review the information submitted by the applicant;

5, mortgage registration procedures, the applicant also needs to go through the mortgage registration procedures;

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

legal ground

Article 35 of the Commercial Bank Law

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 of the Commercial Bank Law

When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

ICBC Real Estate Mortgage Loan Process

The process of ICBC's real estate mortgage loan is: the borrower puts forward the purpose, amount and term of the loan; The borrower and the mortgagor shall prepare the documents and certificates required for applying for loans as required; Conduct on-the-spot investigation, evaluation (survey) and valuation of mortgaged houses by relevant institutions; When the loan is approved, the bank shall review the materials submitted by the applicant; The applicant goes through the mortgage registration formalities; The borrower opens a repayment account and the bank lends money to the account. According to the law, commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

legal ground

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Excuse me, what procedures does ICBC need for real estate mortgage loan?

ICBC Real Estate Mortgage Loan Procedures:

1, husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account for nearly half a year.

2 mortgage, the bank review the borrower's loan application, purchase contract, agreement and related information. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

3. After the contract is notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the 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 data:

China Industrial and Commercial Bank Housing Mortgage Loan Conditions:

1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) 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, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose, and the loan purpose is in line with laws, regulations and relevant state regulations. The promised loan will not flow into the securities market and futures market in any form, nor will it be used for equity investment or real estate project development.

It shall not be used for borrowing to seek illegal income, or other projects explicitly prohibited by national laws and regulations;

6. Can provide legal, effective and reliable house mortgage recognized by the bank;

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.