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, housing loans must provide 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 provisions on housing loan business
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 reputation, 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;
Verb (abbreviation of verb) mortgage flow chart
Consultation → Apply for a loan (house buyer) → Review (provide information) → Sign a loan contract and a mortgage contract (bank) → Apply for contract notarization (notary office) → Apply for relevant insurance (insurance company) → Apply for mortgage registration (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repay by the borrower → Cancel the registration of the mortgaged property (all loans are paid off).
Housing provident fund loan procedures and processes
1. What is a housing provident fund loan?
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.
2. What are the basic conditions for applying for individual housing provident fund loans?
(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans;
(2) The time for continuous deposit of housing provident fund before applying for a loan shall not be less than six months. Because the abnormal deposit means that its income is unstable, it is easy to generate risks after issuing loans;
(3) If one of the husband and wife has applied for a housing provident fund loan, both husband and wife may not obtain a housing provident fund loan again before paying off the principal and interest of the loan. After the settlement, you can get a second mortgage, and the down payment interest rate remains unchanged. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families;
(4) When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans;
(5) The purpose of the loan must be earmarked: the purpose of the housing provident fund loan is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. When buying a house for profit, you can't use provident fund loans.
Three. Materials required for handling provident fund loans
(1) 3 copies (double-sided) of the applicant's and spouse's ID card, 2 originals of the household registration book (including home page, household home page and personal page), and the original temporary residence permit is required for foreign household registration;
(2) Two copies of the borrower's marriage certificate; Unmarried person provides 1 original unmarried certificate;
(3) Two original income certificates of the borrower and spouse;
(4) The commercial housing sales contract signed by the purchaser and the company;
(5) The original and two copies of the advance payment receipt for 30% or more of the total house price;
(6) Housing accumulation fund card.
Four, housing provident fund loan prepayment and settlement instructions
(1) According to the entrusted loan contract of housing provident fund, the borrower repays normally 12; You can apply for partial repayment in advance or settle the remaining loan principal and interest in full;
(2) In case of partial prepayment, the repayment amount of principal shall be at least 40% of the principal balance of the previous loan;
(3) Repayment can only be made three times in advance, and settlement cannot be made in advance without repayment within three times;
(4) Only after the housing provident fund loan is settled in advance or normally can the house mortgage be released. ? Information to carry:
① My ID card;
2. Repayment passbook (card);
(3) entrusted loan contract;
(4) The acceptance form for prepayment of housing provident fund loans and the debit voucher issued by the bank when prepayment;
⑤ Mortgage contract;
6. Guarantee fee invoice, real estate license or commercial housing sales contract, and real estate information filing form; Note: Please bring the information in Items ①-③ when making partial repayment in advance.
Relevant tips: The prepayment business should avoid the borrower's normal repayment date in the current month. If it is overdue, please deposit enough funds in the repayment account first, and then handle the business after the loan management system has disposed of your loans overdue principal and interest.
Verb (abbreviation of verb) provident fund management process
(1) The applicant shall go through the loan application formalities in triplicate with the purchase materials (commercial housing sales contract, down payment receipt), ID cards of both husband and wife, household registration book, marriage certificate (A4 original and copies of each part) and loan application form-Personal Loan Service Hall of the Municipal Provident Fund Management Center;
(The above answers were published on 20 17-02-28. Please refer to the actual situation for the current purchase policy. )
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