If proof of income is needed, the bank mainly examines the first repayment source of the loan, that is, the income source, while the real estate mortgage is only used as the second repayment source when the first repayment source is insufficient to repay the loan. Moreover, it is still difficult to auction the only personal property, so basically all banks require sufficient sources of primary repayment.
When handling mortgage loans, the borrower's monthly income also needs to be available, and it is stipulated that it should not be less than 2-3 times of the total monthly repayment. The specific quota requirements vary from institution to institution. Income requirements should not only be stable, but also stable. People who are generally stable for more than half a year are more likely to get loans.
When a house is used as a mortgage loan, the borrower needs to provide the lender with his own income proof materials, bank running water and other materials in addition to the collateral-related materials. The more complete the materials, the easier it is for borrowers to obtain funds.
Second, how to open the settlement certificate of app ICBC to repay the mortgage in advance?
The method of issuing the settlement certificate is as follows:
Customers only need to make settlement vouchers through ICBC mobile banking loan settlement voucher and personal loan repayment voucher-loan settlement voucher-select the settled "My account has one more verification confirmation" path, and send the loan repayment details to the designated mailbox. Customers can check the order status at any time through mobile banking, download electronic files by themselves, and enjoy 7×24 hours financial services without leaving home. At present, ICBC can print loan repayment details and loan settlement certificates online, and can print detailed records of personal loans that have not been settled or settled for less than 5 years.
Three. Instructions for Personal Housing Mortgage Loan of Industrial and Commercial Bank of China
Instructions for Personal Housing Mortgage Loan of Industrial and Commercial Bank of China
Buyers who need to apply for personal housing mortgage loans at ICBC should know the instructions for ICBC to apply for personal housing mortgage loans before going through the loan procedures. Details are as follows:
First, the application conditions of individual housing mortgage loans
A natural person with full capacity for civil conduct has good credit, stable income and the ability to repay the principal and interest of the loan on schedule. The applicant is between 22 and 60 years old (inclusive).
II. Information provided by individual housing mortgage loan:
1. ID card, household registration book, proof of residential address, marriage certificate (or divorce certificate) of the applicant and spouse.
2. Personal income certificate (bank format) or asset status certificate (tax bill, bank flow in the last 6 months, etc. ).
3. Property certificate and purchase contract of the mortgaged house.
4. Proof of the purpose of the loan, such as purchase contract (subscription book), purchase contract, car purchase, etc.
5. Current passbook or bank card opened by the applicant in China Industrial and Commercial Bank (except peony traffic card and credit card).
Third, the loan amount.
With housing or commercial housing (shops, office buildings) as collateral, the loan amount can reach 70% of the appraised value of the house.
Four. length of maturity
For the purchase of housing (non-commercial housing), the loan period can be as long as 20 years; If it is used for other purposes, such as buying commercial housing, operating, decorating and buying a car, it costs a lot of money, and the loan period can be as long as 10 years.
Verb (abbreviation for verb) loan process
1. The borrower applies, submits relevant materials and inquires about personal credit records.
2. Real estate appraisal and banks should conduct pre-loan investigation and approval after receiving the real estate appraisal report.
3. After the approval, the bank account manager will inform the applicant to handle the mortgage registration and notarization of the loan contract.
4. The bank issues loans after receiving the certificate of other rights of the house, and the borrower repays the loan principal and interest regularly according to the contract.
5. The borrower shall provide proof of use (or receipt, etc.). ) loan funds.
6. Settle the loan principal and interest and recover the mortgaged house.
Interest rate of intransitive verb loan
Implement the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately.
Seven. Repayment method
If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly.