ICBC commercial loans (pure commercial loans, portfolio loans)

A Ploidy determination and a few loans, the interest rate (still with loan cycle for standard)

The first suite: the borrower family as a unit, never purchase loans, for the first time to apply for a loan:

1.In the area of90Metres above the maximum loan7Into, interest rate7.5Fold;

2.In the area of90Square meters below the maximum loan8A (VIP) interest rate8.5The general customers the highest loan discount7Into, interest rate7.5Fold.

TwoSuite: the borrower family as a unit, as long as there is a housing loan to buy a house, record, two suites, Shoufu5As interest rates go up10%

ThreeSuite: the borrower family as a unit, there are two housing loans, buy a house again, three suites, Shoufu6As interest rates go up20%

Note: (1Collateral area below)70Square meters or collateral price below70Million, need the main man reach the required standard of ICBC's VIP customers;

2.Age over20Years, appropriate to reduce the proportion.

Loan period two:ICBC has no requirements for age, maximum loan to30Years.

Loan period≤The number of years of land use (70Years)-Collateral age;

Loan period≤70Years old-The age of the borrower (can take age person Senate minimum in computing);

The main credit or the Senate at the age of40Years old of the following (including40) basically can loan30Years.

Age over 20 years, can be credited to 30 years.

Three.The VIP customer:

1 nameFinancial assets (including stock, fund, insurance and so on) after conversion value50WThe above or total assets (movable and immovable property and other) after conversion value400WAbove.

2 yearsIncome of more than12W(the need to provide the corresponding tax bill or bank to pay wages detail running list);

3There have been commercial housing loan amount50WThe above (including loans has been settled who), mortgage of commercial loan amount100WThe above (including loans has been settled, the individual housing loan portfolio of clients) no overdue repayment;

4Admit the Jiangsu Zhejiang Shanghai, Beijing City, Guangdong Province, Shenzhen City area vice section (including state-owned enterprises), intermediate (contain) above title, school (contain) officers, civil servants, the financial industry (excluding insurance agent), doctors, teachers, lawyers, certified public accountants; China telecommunications, electric power, aviation and other official in the staff;

5The official staff in telecommunication, power, mobile communication, aviation, tobacco companies;.

The 6 worldCircles500Strong and China500Strong enterprises senior management personnel.

The repayment of four:

1, matching principal: principal increased month by month, interest decreased month by month, the monthly repayment remains unchanged.
2, matching the principal: principal remain the same, interest monthly decline, decline in monthly payments.

Matching service"Same amount of each repayment, the monthly total principal plus interest, the borrower repayment pressure balanced, but the interest burden relatively large;"Matching principal"Also called"Decreasing the repayment method"Monthly principal, interest remains the same, different premise, repayment pressure, but the repayment amount will gradually decline, the total interest burden less...

Five second-hand sale of the housing process:

1 home sales contracts signed.

2 signed contracts of sale day signed loan contract. (the borrower to related materials delivered to the loan officer hand)

The 3 materials are gathered, banks began to carry out examination and approval. (3-5Working days)

4After examination and approval by the next day can be approximately good at home, go to the house where the district intermediary accompanied by the trading center for transfer procedures.

5.15-22Work in the future, new cards and his right certificate and sent to the bank, bank lending to the designated account after the audit.

6The home to receive new cards and related materials.

Six second-hand housing related taxes and fees:

1The family needs to pay the tax

(1) full5Years of ordinary housing
A.Personal income tax: the difference between the transaction price (now-The original purchase price) *20%Full (or the transaction price)*1%The only family housing exemption;
B.Stamp duty: exemption
(2) Not full5Years of ordinary housing
A.Sales tax: the difference (now trading at-The original purchase price)*5.55%;
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*1%;
C.Stamp duty: exemption
(3)Full of5The non ordinary housing years
A.Sales tax: the difference (now trading at-The original purchase price)*5.55%;
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*2%The only family housing exemption;
C.Stamp duty: exemption
4.Not full5The non ordinary housing years
A.Sales tax: the transaction price*5.55%;
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*2%;
C.Stamp duty: exemption

2, the family need to pay the taxes and fees
(1Ordinary housing)
A.Deed tax:..90Square meters below, the first suite, full (now trading)*1%.
Non first suite, full (now trading)*1.5%.
90Square meters140Square meters, full (now trading)*1.5%
B.Stamp duty: exemption.
(2) the non ordinary housing
A.Payment: full (now trading)*3%
B.Stamp duty: exemption

Provident fund housing loan

A provident fund loan conditions:

1 Provident fund must pay the full continuous6Months, just accord with the provident fund loan conditions.

2 Pure provident fund loans must be handled through the provident fund center to.

3 Foreign fund can not be used in Shanghai.

Two the amount of provident fund loans and the interest rate:

1 Provident fund loans without a set of two points, is the family as a unit, with the basic provident fund account balance*40, maximum loan to30WSupplementary provident fund, the account balance*20, maximum loan to10WIn particular, can be credited to the number, is still in the provident fund enquiries handled shall prevail.

2 The basic provident fund account balance7500Yuan, supplementary provident fund account balance5000Yuan, can achieve the maximum amount; the concrete can be credited to the number, is still in the provident fund enquiries handled shall prevail.

3 Provident fund is the family as a unit, husband and wife for provident fund loans, the basic provident fund amount maximum loan to60W, are added, the maximum loan to80W; if both husband and wife one party had a provident fund loans, outstanding, is not used again for provident fund loans, clearing, may again apply for provident fund loans, the maximum amount of basic provident fund loan to40W, are added, the maximum loan to60W.

4Unmarried, can use provident fund loans together with the parents, but the borrower's account must be in full1Years.

5 Provident fund loans is3.87%

Provident fund loan limit:

1Room and5Years of the new premises the maximum loan to30Over the years5Years old house, at most is15Year period.

Property mortgage loan

Property mortgage loan is to own the city through property mortgaged to the bank to obtain loans to buy other property and so on, now housing was identified as the third or more than three sets of customers, according to current policy must Shoufu6As interest rates go up20%If there are other property, your name, then you can be the name of the property to the mortgaged to the bank, to obtain a loan. Maximum loan to collateral assessment price7Into, interest rate is in accordance with the benchmark interest rate to implement.5.94%Years, the maximum loan to20Years.