Huaxia Bank housing loans

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  • / Author: Aaron Lewis
Housing loan guarantee
Product definition:
     Individual housing loan guarantee refers to the issuing bank to natural who meet the requirements for the purchase of housing loans, the borrower has the ownership of the property as collateral or pledge and consists of third artificial loans provide joint liability guarantee.
The loan amount may not exceed 80% of the purchase price, and no more than the bank collateral rate.

Product features:Loan guarantee flexibly, the long duration of the loan, the interest rate is low, to meet customer needs actual purchase.
     1, security: flexible can be secured, pledge, guarantee of one or more of the three kinds of.
     2, the long duration of the loan: the longest period of 30 years.
     3, flexible repayment: can choose matching service, matching the principal repayment, matching incremental, combination way to repay the loan principal and interest.
     4, low interest rates: the customer to purchase housing reform of the housing or the first set of owner occupied housing, in accordance with the publication of the people's Bank Chinese individual housing loan interest rates downward float of floating rate and execution, lower than the same grade loan rates.

Applicable objects:
     With the citizens of our country stipulated by the local town resident accounts or the local government has qualified buyers, with full capacity for civil conduct, and have the right of abode in China, foreign, foreign natural person, and has a stable occupation and income, good credit, the principal and interest repayment ability, can provide the bank guaranty approved.

The currency and maturity:
     Loan currency into renminbi. The longest period of the loan shall not exceed 30 years.

Product price:
     Borrowers to apply for individual housing loans is published in accordance with the people's Bank of Chinese, individual housing loan interest rates and floating rate, up to 15% of the past; the purchase of commercial housing, according to the people's Bank of Chinese announced the same grade loan rates and floating ranges execution.

Service channel:
     The bank outlets counters for the loan consulting, application, payment, return service, telephone bank lending and consulting services, Internet banking provides loan advice, loan expires message alert service.

Application materials:
     Application for loan; the borrower and their spouse valid identity certificate; handling bank recognized authorities issued by the borrower and a stable family income certificate or other debt paying ability proof; the legitimate purchase of housing contracts, agreements and other relevant documents of approval; collateral materials, such as: collateral or pledge list, proof of ownership, valuation evidence; the disposition or co owners agree that the collateral or pledge; guarantee the people agreed to provide a written guarantee jointly and severally liable and guarantor of the credit certification materials; can be used for down payment bank certificates of deposit or down payment certificate; other documents prescribed by the bank and data.

Business process: 
      1, the applicant loans Qing Shen, submit the relevant application materials.
      2, after the approval of the consent, handling bank and the borrower and guarantor sign loan contract and the corresponding guaranty contract, the implementation of the loan conditions, according to the contract for granting loans and funds designated to pay formalities.
     3, according to the loan contract, the borrower repayment plan, loan principal repayment methods.
     4, loans to settle, to withdraw and procedures according to the provisions.

Precautions and risk warning: 
     1, the loan mortgage, pledge, guarantee can use one or more of the three kinds of, the pledge is only limited to the borrower or the third party's Bank of deposit (%, the regular savings), bonds, financial bonds and registered the bank recognized other local financial institutions deposit receipts, bonds, certificates financial bonds issued, limited to the purchase of real estate collateral, I or third people own or common property and no other other housing mortgage; that is a natural person, must also provide adequate collateral or pledge, guarantee the legal person, shall open an account in the bank; the lender of the breach of contract behavior, we have the right to recover the loan ahead of schedule, the disposal of collateral or guarantee responsibility investigation.
     2, borrowers have the provisions of the breach, the bank has the right to withdraw or stop issuing loans and the borrower for breach of responsibility, the disposal of collateral material, in order to repay the loan principal and interest, overdue penalty interest and liquidated damages.
     3, mortgage registration, evaluation, insurance costs borne by the borrower.
Housing mortgage loans
Product definition:
     Housing mortgage loans into a room and second-hand housing mortgage business, the definition are: personal Yishoufang mortgage loans refer to the use of credit funds, for distribution to the natural person to buy a house and to purchase property as collateral for loans. Yishoufang refers to the real estate developers to obtain land use rights, build and obtain government approval pin on the land (pre) the sale of commercial housing. Personal second-hand housing mortgage loans is that my trip the use of credit funds, provide with our bank loan conditions for borrowers, borrowers to buy second-hand housing and the purchase of second-hand housing loan business. Second-hand housing refers to the seller has made real estate warrants, which has a complete right of disposal, can be legally traded in the real estate market commercial housing.
     The house is divided into according to the use of housing and commercial housing. The housing includes residential, villas and apartments, commercial housing including shops and office buildings.

Product features:The long duration of the loan, guarantee the convenience, flexible repayment.
     1, the long duration of the loan: the longest period of 30 years.
     2, security convenience: the developers assume security and the purchase of real estate mortgage combination.
     3, flexible repayment: can choose matching service, matching principal, matching the increment / decrement, repayment of the loan principal combination mode, and according to the need to have early repayment.

Applicable objects:
     Overseas, foreign natural person with full civil capacity China residents and the China, had the right of abode, have stable occupation and income, good credit, the principal and interest repayment capacity.

The currency and maturity:
     Loan currency into renminbi. Personal housing mortgage loans for the longest period of not more than 30 years, the longest period of individual commercial housing mortgage loans of not more than 10 years, the national provisions from the provisions of.

Product price:
     Borrowers to apply for individual housing loans is published in accordance with the people's Bank of Chinese, individual housing loan interest rates and floating rate, up to 15% of the past; the purchase of commercial housing, according to the people's Bank of Chinese announced the same grade loan rates and floating ranges execution.

Service channel:
     The bank outlets counters for the loan consulting, application, payment, return service, telephone bank lending and consulting services, Internet banking provides loan advice, loan expires message alert service.

Application materials:
     The valid identity certificate and a copy of the original; as the recognized authority department issued by the borrower stable income proof or other debt paying ability proof; the legitimate purchase housing contract, agreement and related documents of approval; guarantee issued by the agreed to provide a written guarantee commitments and guarantor information proved; the borrower for the purchase of housing the self financing related certificates or proof of payment; housing sales (pre) sell permits five cards or the sale of real estate (Xianfang); if the loans are married, the spouse must also provide relevant information, if the spouse to apply for loans, loan applications must fill out about spouse, and produce a marriage card and residence booklet; other documents prescribed by the bank and data.

Business process: 
     1, the applicant loans Qing Shen, submit the relevant application materials; the relevant application materials directly to the bank business outlets, but also by the lawyer of collection.
     2, after the approval of the consent, handling bank and the borrower and guarantor and guaranty contract signed loan contract, the loan conditions, according to the contract for granting loans and funds designated to pay formalities.
     3, according to the loan contract, the borrower repayment plan, loan principal repayment methods.
     4, the loan settlement, go through the formalities for cancellation of registration of mortgage.

Precautions and risk warning: 
     1, the borrower can buy my line designated for sale, also can use direct purchase of our non designated property.
     2, the borrower to purchase Xianfang, must apply for mortgage registration formalities, the borrower to buy forward delivery housing, forward delivery housing must meet the pre-sale and pre-sale conditions permit and mortgage registration procedures; 
     3, borrowers have the provisions of the breach, the bank has the right to withdraw or stop issuing loans and the borrower for breach of responsibility, the disposal of collateral material, in order to repay the loan principal and interest, overdue penalty interest and liquidated damages.
     4, mortgage registration, evaluation, insurance costs borne by the borrower.