One, the meaning of personal housing mortgage loans

Personal housing mortgage loan refers to the lender to a borrower for the purchase occupied housing loans. Lender Loans, the borrower must provide guarantee, mortgage, pledge, guarantee to guarantee way, can also be secured by the above three methods. If a borrower cannot repay the loan principal and interest, the lender shall have the right to deal with their collateral or qualitative, or guaranteed jointly and severally liable for repayment of principal and interest.

Two, the loan program
The borrower submit application and related materials -- the bank accepts the investigation -- bank check approval -- both sides shall handle the relevant formalities -- bank loans
Housing loan applications and data bank staff received your post, investigation, verification will be carried out according to the procedure, compliance with loan conditions, we inform you in terms of time, locations for or by banks on behalf of you go through the formalities for insurance, notarization, mortgage registration. The two sides signed the "loan contract", "mortgage contract", "pledge contract" or "guarantee contract" and other legal documents. you under the contract agreed to the loan principal, we will return your purchase mortgage (matter) of collateral warrants, insurance documents.

Three, borrowers conditions
Individual housing loan applicants shall be a natural person with full civil capacity, also meet the following conditions:

(a) is not less than the prescribed proportion of the first payment of bank;

(two) opened a deposit account in the bank;

(three) purchase of housing contract or agreement;

(four) the age of the borrower and the loan period is generally not more than 65 years old;

(five) have a stable occupation and income, loan servicing capacity;

(six) ICBC recognized assets as collateral or pledge, or adequate compensation to the unit or individual capacity as a guarantor;

(seven) other conditions prescribed by the bank.

Four, the borrower shall provide information
Submit the application form, please provide the following information:

(a) identity documents (identity card, residence booklet or other valid residence documents);

(two) proof of income;

(three) in accordance with the provisions of the contract agreement, the purchase contract;

(four) a copy of the receipt of the down payment of bank deposit slip and developers issued payment;

(five) mortgage or pledge list, the ownership or use right certificate and disposition of the people agree that the mortgage, pledge;

(six) banks required to provide documents or other information.

Five, the term of the loan, credit and interest rate

(a) the loan amount.
Individual housing loans, not higher than the quasi purchase value or actual purchase cost a total of 80% of the property assessment agencies to assess (two at the low shall prevail); individual commercial housing loans for the purchase price of the highest 60%

(two) the loan period.
30 years of personal housing loans up to; individual commercial housing loans for the longest period of not more than 10 years.

(three) loan interest rates.
Individual housing loans in accordance with the provisions of the people's Bank of individual housing loan interest rates; personal commercial housing loan interest rate stipulated by the people's Bank of the implementation.

Six, the repayment

(a) take the certificate, bill pledge, can be issued within one year of individual housing loans, the introduction of a debt due;

(two) the loan period in more than a year, can take the matching interest repayment law and matching principal repayment law.
When you pay off the mortgage interest, we will help you to apply for mortgage loans procedures for cancellation of registration authorities, and the custody of the relevant mortgage, pledge the ownership of files returned and that matter to you.

Seven, mortgage and pledge
Mortgage housing loans to individuals including the mortgagor has the autonomic innervation of the property and other fixed objects on the ground, obtain mortgage according to the use right of state-owned land, other assets ICBC approved; quality of individual housing loans mainly includes individual time deposit certificate (%), national bonds, financial bonds, corporate bonds etc..

Different purchase provident fund needs what information and procedures

The purchase of other provinces and cities in the housing property certificate issued within six months can apply for the purchase of extraction time, on the basis of the relevant materials to the provident fund account of units issued extraction application and extraction proved to the District Construction Bank branch counter for the extraction of provident fund business.
The following materials required:
One, the applicant and the extracting agent identity materials
1, extract the original and photocopy of identity card of the applicant and a social security card.
2, agent ID card, social security card and related documents and a copy of the original (agent must be extracted from the person's spouse or lineal relatives).
3, the applicant to extract written authorization of the agent.
4, special circumstances to the spouse or blood of others help, need to provide notarized power of attorney.
Two, the reason that material extraction
   The purchase of commercial housing, second-hand housing and public housing 1629 paid up:
   The purchase contract (the contract of public housing for sale), purchase invoices (individual purchase payment vouchers), the purchase of housing property, extraction proved the relationship between man and the purchase of.
In addition:
3) couples not production permits another need to provide my ID card, social security card and marriage certificate, and also need the provident fund account of units issued extraction application and extraction proved.
4) materials are ready, can be directly to the District of CCB branch provident fund business counters for the extraction of audit procedures.
5) from the provident fund will not affect the provident fund loan applications, the loan amount at the system audit results shall prevail.