Industrial and Commercial Bank of China -- personal second-hand housing loan

(according to the Chifeng city market loans)

☆ business description

Second-hand housing loans to individuals is provided by the lender to the borrower for the purchase of houses, people have made all of the houses, which has a complete right of disposal, in two levels of markets legitimate transactions Housing loans.

☆ applicable object

Second-hand individual housing loan borrowers should be a natural person with full civil capacity, at the age of 18 (including) --65 years (including), and the borrower is a good credit record and repayment willingness.

☆ characteristic advantage

Second-hand housing loans to individuals in all special service with a hand of individual housing loans, but also have the following characteristics:

The 1. age is not restricted, you are in my line for second-hand housing loans without age restrictions, age is not more than 20 years, 90 years later, also can be in my line for second-hand housing loans to individuals.

2 to provide free supervision and control of funds for loans to the secondary room in my line of buyers and sellers to provide free funds supervision business, ensure the security of the financial transactions.

3 lenders -- in flexible and timely provide effective security or premise for the transaction fund supervision of our loans in the mortgage registration before.

☆ conditions

When I apply for second-hand housing loans to individuals customers in addition to meet the basic conditions for a personal housing loan application, also must meet the following conditions:

1 while people has the legitimate right of disposal to purchase housing, the purchase of housing with the housing of all warrants;

2 housing common property right, must be approved by the total housing property certificate issued by the consent.

If you plan to apply for second-hand housing loans to individuals, and provide the following information to prepare in advance:

1 the borrower legitimate identification documents;

2 the borrower income proof or occupation certificate;

3 the borrower family household register;

The 4 married the borrower is required to provide proof of the relationship between husband and wife;

5 common borrowers, must provide the borrower signed with express written commitment shared responsibilities;

6, the purchase of second-hand housing property rights certificate;

7 and while people signed the "housing sales contracts", and while providing the appropriation account;

8 if the collateral must evaluate collateral, shall be issued by an appraisal institution approved by the lender's assessment report;

9, the purchase of housing property rights of people agree with the written authorization of the sale of housing files;

The 10 lenders are required to provide documents or other information.

11 the guarantor legitimate identification documents;

12 the guarantor proof of income or occupation certificate;

13 the guarantor family household register;

14 the guarantor shall be the spouse must provide evidence of a marital relationship

☆ loan amount

The maximum loan amount can reach 60% of the value of the purchased housing market.

☆ loan interest rates

The minimum lending rate can enjoy the PBOC benchmark interest rate 0.7 times. All down 30%, ten annual interest rate of 0.3465%, five annual interest rate of 0.336%

☆ loan period and age

The longest period of the loan for 20 years, and cannot exceed the collateral property remaining land tenure.

☆ service channel and time

You can be in our cooperation in the real estate Broker's Firm stores (Yi win-win immovable) submit a loan application to our bank account manager.

Some common problems

1 for both autonomous transactions of second-hand housing, real people can apply for ICBC housing loans?

Whether you are a real estate Broker's Firm reached the second-hand housing transactions, the seller is independent and a second-hand housing transactions, the clients can provide second-hand housing loans to individuals for your specific business, you may consult the local ICBC personal credit business or personal loan center.

2, the purchase of second-hand housing need assessment?

According to our regulations, you are to apply for second-hand housing loans to individuals, the need for real estate valuation in our designated property assessment company, to determine the amount of loan you. To meet the conditions of the real estate, can be exempted from evaluation procedures, details please consult the local ICBC personal credit business or personal loan center.

3 in the process of second-hand housing loan business, how to ensure the smooth purchase the property permits in the payment of the purchase money?

Our existing both in the funds designated to pay and the real estate transaction process concerns, especially introduced the second-hand house transaction fund management business. The business through the bank on the first payment and loan fund regulation, to ensure that the real estate transactions in the process of financial security, at the same time through the confirmation after the completion of the transaction thawing Shoufangkuan way urge the seller with the procedures for the transfer of property rights, safeguard the interests of real people. The specific application process you can consult the local ICBC personal credit business department or a