Loan amount: the loan amount can reach 70% of the market value of the house.
1. loan term: the loan term is 30 years, and the borrower's age and loan term shall not exceed 70 years. If there are two or more loans in co-borrower, the loan term can be determined according to the younger one. Loan interest rate: According to the relevant regulations of the People's Bank of China, the loan interest rate can fluctuate within a specified range based on the benchmark interest rate of the same level published by the People's Bank of China.
However, depending on the type of real estate, the high loan ratio also has an impact. For example, the percentage of personal commodity residential mortgage loans is very high, at 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The proportion of factory mortgage loan is only 50%. The term of new house mortgage loan shall not exceed 30 years, and the term of second-hand house mortgage loan shall not exceed 20 years.
3. Each repayment is usually the corresponding date of the month from the date of loan issuance. The repayment date without corresponding days is the second day of the period. The repayment period of the next installment is the loan maturity date. You can also choose a fixed repayment period according to your own income and arrange the income and expenditure of personal funds reasonably.
4. Within the repayment period agreed in the loan contract, the repayment date may be extended by 10 natural days on the basis of the agreed repayment date. Counter inquiry: the borrower can check the loan progress at the counter of the business hall with the relevant loan documents and his ID card. Telephone inquiry: the borrower can directly contact the credit manager who handles the loan business for you to understand the approval progress, or dial and press manual service after the connection, so that the customer service staff of ICBC can inquire about the loan progress for you.
1. Choosing a lending institution: The first and key step in handling real estate mortgage loans is to choose a formal lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements are relatively slow and high. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing a suitable lending institution is a crucial step in the whole loan process.
2. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the strength of the loan settlement certificate. Submit application and application materials: After selecting the appropriate organization, you can submit an application with the materials required by the application organization.