Now many people purchase with bank loans, while some have not experienced first-home buyers, there will be too many questions, such as: bank loan process? I need to prepare the materials? Yishoufang secondary housing loans for what different? How to use provident fund loans?...... Here, we interviewed the city's major banks and housing provident fund management center, the "new" to provide a "entry level".

 

Yishoufang loans

 The choice of property

 To obtain the building mortgage services, in the selection of properties in this area should focus on understanding the content. If the advertising or by sales personnel introduced that some projects can apply for mortgage loans, also need to further confirm whether the developers building property has been related to the bank's support, in order to ensure the successful mortgage loans. Real estate development companies generally have the specified cooperative bank.

 

◆ mortgage loan application

 In recognition of their choice of real estate mortgage banks to support, loan agency to fill in an application form. We need to pay attention to the:

 The borrower application conditions:

  1. above the age of 18 years (inclusive), and the statutory retirement age (male 60 years of age, female 55 years old), China citizens with full civil capacity of (part of the bank on the civil service or in the cause of unit under different conditions: male 70 years of age, female 65 years old);

 2 has a valid proof of identity;

 3 principles should be the local towns with permanent residence;

 4 have stable occupation and income;

 5 good credit, have the ability to repay the loan principal and interest;

 6 the purchase contract (payment purchase contract must be: bank mortgage);

 7, the people's bank payment according to the requirements of the first 1629 and the lender;

 Other conditions prescribed by the 8 lenders.

 The application is required to submit data:

 1 loan application form;

 2 valid identity certificates and the members of the family residence booklet;

 Proof of 3 Marriage (marriage certificate, unmarried or single proof);

 4 real proof of income;

 5 commercial housing sales (pre) contract (the contract must be the mode of payment: bank mortgage);

 6 the first phase of 1629 payment certificate;

 Other data of 7 provided by the lender.

 (one, 5, 6 and two by the housing is provided.)

 

　Review the bank

 The bank accepts the purchase loan applications, to examine the qualifications of the purchase from the civil subject qualification, credit status, repayment ability, to confirm something conforming to the prescribed conditions. General need 2~3 working days.

 ◆ signed loan contract

 After the examination, the bank as a "lender", property buyers as "borrowers", the housing as "guarantor", signed the "individual housing loan contract" three party, clear the mortgage amount, term, interest rates, repayment and other rights and obligations.

 ◆ registration

 The housing authority for the purchase of the real open trading authenticity registration (normally takes five working days) and housing registration (there is evidence of real estate property), access to housing registration certificate.

 The bank loans, the loan amount directly transferred to the real root account.

 ◆ the borrower repayment in accordance with the contract, after all full of principal and interest paid, the banks to open a write off single, borrowers who write off single to the housing authority for cancellation procedures, property ownership is owned by him.

 

 　Second-hand housing loan

 ◆ the property intermediary, the seller and the Buyer negotiate real estate transaction price.

 Buyers who pay 1629, the procedures for transfer to the parties to the housing department. Transfer need to pay taxes according to 1.5% of the transaction price.

  ◆ by buyers who choose to bank loans, loan application, applicants with Yishoufang loan conditions.

 Apply for loans need to submit information:

 A. loan application form;

　B. valid identity certificates and the members of the family residence booklet;

 Proof of marital status (C. certificate of marriage, unmarried or single proof);

 D. real proof of income;

 The E. property certificate;

 F. payment cards;

　Other data g. provided by the lender.

 

 Review, the bank signed a contract.

 

 ◆ the housing management department to handle the registration formalities, get "housing He Xiang of".

 

 The bank loans, the loan shall be transferred to the purchase of personal account.

 

  ◆ borrowers in accordance with the contract to the repayment of principal and interest, all cleared, the banks to open a write off single, and the return of "housing He Xiang of", the single borrower, credit to the housing authority for cancellation procedures, property ownership shall belong to all the people.

 

　　Provident fund loans

Personal housing accumulation fund loan is a policy of low interest housing loans provided for the employees of state. Refers to the housing provident fund borrowers paid on time and in full, in the purchase, construction, overhaul occupied housing, with its purchase of housing (construction) or other property ownership as collateral or pledge, apply to the housing provident fund management center housing provident fund as a source of funds to the housing loan.

 

◆ loans and conditions

Object to apply for individual housing provident fund loans, must be in accordance with the provisions of workers paid housing provident fund and the ordinary housing to buy their property or a person.

  The borrower to apply for individual housing provident fund loans must also meet the following conditions:

  (a) loans for housing provident fund subscribers for more than 12 months (in loans goes forward calculation);

  (two) the purchase of owner occupied housing in general within the city, the specific location of the housing is located has been clear, relevant legal procedures, effective, purchase and application of time within 3 months;

  (three) a home purchase ordinary housing price 30% above (including 30%) of its own funds and have been implemented and put into use;

  (four) with full capacity for civil conduct, a stable income, good credit, repayment of the loan principal and interest according to the provisions of the ability;

  (five) agreed to purchase from lives of ordinary housing as collateral;

  (six) in the purchase of owner occupied housing in general not for mortgage registration, can provide other security authorization management mechanism and the bank;

  (seven) the other conditions stipulated management institution and the trustee bank and the higher authorities.

 

 　◆ the loan application materials needed

 　(a) the borrower, the borrower spouse's personal data:

  1 id;

  2 housing provident fund deposit certificate or statement;

 　Proof of 3 Marriage (marriage certificate, marriage certificate).

(two) other housing borrowers there (in addition to their spouses outside) profile:

　 1 marriage certificate;

  2 and their spouses identity card.

 　(three) the borrower in addition to the foregoing I, spouses and other housing a total of personal information, also need to provide the purchase of owner occupied housing in general information to the administrative organ:

 　1 since the purchase of ordinary housing without all of the housing:

  (1) the purchase of commercial housing purchased the tickets:

　 A. commercial housing pre-sale (sale, the sales contract () has a registration system of county (city, district) to the first registration);

 　B. the first payment or payment receipts;

 　C. "housing registration proof".

  (2) the purchase of affordable housing:

　 A. affordable housing sales (sale) contract;

 　B. the first payment or payment receipts;

 　C. affordable housing approval certificate;

 　D. "housing registration proof".

 　2 purchase from lives of ordinary housing (housing, affordable housing, resettlement housing, second-hand housing) has obtained the certificate of house ownership:

 　A. all of the housing;

 　B. payment cards.

 

 　◆ the amount and duration of the loan

 　(a) loan amount for the following three minimum value calculation results:

 　1 to a maximum of 50% borrowers and their spouses wages paid housing provident fund income owing on the loan ratio (per month owing on the loan principal amount of wage income ratio) calculated the highest monthly amount owing on the loan, then according to different mode of repayment of the loan amount is calculated.

　 2 since the purchase Fangjiekuan amount and evaluation of ordinary housing value (whichever is lower) maximum 70% loan

  The proportion of the loan limit.

  3 Wenzhou city housing provident fund management committee to determine the administrative region of the housing accumulation fund loan maximum amount.

  (two) the term of the loan is determined according to the amount of loans, the repayment ability of borrowers and other related conditions, a maximum of not more than 30 years (360 months), at the same time, the borrower repayment last period shall not exceed 65 years of age.

 

 　◆ loan repayment ways

  (a) the term of the loan in a year (including one year), the implementation of a one-time payment of principal and interest due.

  The loan period in more than a year, a monthly installment servicing. The borrower can according to one of the following two ways to repay the loan principal and interest:

  1 matching interest repayment, the loan period, the monthly amount equal to the average loan interest. The formula for computing:

 　The monthly repayment amount = loan amount x (1+ monthly interest rate X) period / [(1+ monthly interest rate) number: 1]

 　Among them: the monthly interest amount = residual sum of the loan interest rate X

 　The monthly repayment amount = monthly payments - monthly interest amount

 　2 matching principal repayment, the loan period monthly to determine equal principal amount and payment of interest. The formula for computing:

 　The monthly repayment amount = monthly principal amount + monthly interest amount

　 Among them: the monthly principal amount = loan amount / number

 　The monthly repayment amount of interest = residual sum of the loan interest rate X

  (two) to take monthly periodic payments of principal and interest loan repayment ways, determine the Borrower Loans monthly repayment of principal and interest amount shall not exceed a maximum of calculation of housing provident fund 55% of wage income, the calculation of housing provident fund shall not be lower than the minimum monthly salary income 30%.

 　(three) the borrower and the management center and the bank agreed repayment in the loan contract, once determined, can not be changed.

 　(four) loans taken by the borrower unified method entrusted with the bank to pay withholding.

 

 　◆ loan processing procedures

 

 　1 requirements to apply for individual housing provident fund loans workers to carry the personal information and the purchase of owner occupied housing in general data management mechanism, to fill in the "Wenzhou personal housing accumulation fund loan application" loan applications submitted to the authority.

  

 　2 management agencies to accept the loan applicant's loan application, credit related information on the loan applicant before the review, to meet the requirements, accept. Compliance with the requirements of the data or the situation does not meet the requirements, shall not be accepted for the loan applicant fails, but shall notify the reasons for the refusal of acceptance.

  

 　3 management agencies to accept the loan applicant loan applications, should be the review within 10 working days, and decide whether to grant the loan decision.

  

 　4 management mechanism of the audited granted loans, notify the applicant for the loan procedures. The audited in not to grant the loan, the loan applicant shall inform the reason not to grant the loan.

  

  5 granted loans, management mechanism and the bank and the borrower loan amount, term, guarantee, payment and monthly payments to negotiate and determine.

  

　 6 loan amount and consensus through consultation, management agencies signed a loan contract with the bank entrusted with the bank to the borrower, loan. At the same time, the borrower, management mechanism, with banks, guarantee and mortgage of personal housing accumulation fund loan contract signed. The borrower is required to pay the money with the bank signed a contract. The loan application to other private or third owned housing has been made all of the housing security, the guarantor (collateral) should also sign the housing mortgage contract and management institution to.

  

 　7 the loan contract and the mortgage contract is signed after the entry into force of the registration, management agencies to inform the trustee bank loans to the borrower.