What is the process for individuals to apply for commercial housing loans? ? What are the procedures and precautions in the process of using commercial loans to handle personal housing loans? SouFun. com has sorted out the procedures and procedures for handling personal commercial housing loans for you, hoping to help you.

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Two, should provide the following information

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General commercial terms

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

7. Handling of problem customers

(1) If the purchaser at the application stage applies for canceling the mortgage loan for his own reasons, the purchaser shall pay off the balance in one lump sum within 20 days from the date of cancellation;

(2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the purchaser shall make up the balance within 10 days from the date of bank approval;

(3) If the bank mortgage loan is not approved due to the buyer's own credit, identity, repayment ability and other reasons, the seller will not return the house. According to the actual situation, if the first choice is to adjust the loan bank to apply separately, but it has not been approved, the purchaser may apply to change the purchaser and change the contract purchaser into a related person with family or relatives. The marketing department shall timely apply for dissolution of the commercial housing sales contract and re-sign the contract. If the purchaser refuses to change the contract, he shall pay the house price in one lump sum within 30 days from the date when the bank mortgage loan is not approved, and the breach of contract shall be implemented according to the relevant provisions of the contract;

(4) For customers who have not applied for mortgage loans from the loan bank for a long time, the sales staff should establish a supervision mechanism and record telephone notifications. If the notice is not handled for three consecutive times (15 days), the penalty shall be charged according to the contract;

8. After the lender approves the buyer's loan, the company will issue a receipt and issue an invoice to the buyer based on the receipt;

9. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it from the borrower's account and settle it in full at maturity;

10. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.

(The above answers were published on 20 13-04- 18. Please refer to the current actual purchase policy. )

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