Purchase loan decision problem

In recent years, people's pocketbook drum up, many people will be money to purchase but in the purchase of many difficult problems. People have a different solution in the purchase decision problems. Some people to purchase on their own to earn enough money, but it has been in one's seventies and eighties. Some people know how to use the loan purchase, the purchase can be timely convenient, use after wages to repay the loan. Of the two, I can know which use of house purchase loans to enjoy the convenience which is only pay attention to money, and no note purchase again. In order to help people to understand the decision problem of house purchase loans, so I investigated. We enjoy convenient. House purchase loans can be divided into: the individual purchase loan customer purchase loans. Enable us to distinguish how to implement the purchase loans, loans for the purchase of people enjoy the convenience.
Individual housing loans
1, the loan application: used to support individual purchase, in Chinese mainland town overhaul of housing, the main product is the mortgage guarantee plus individual housing loans, known as "personal housing mortgage loans".
2, the loan object: Chinese citizens with full civil capacity, the right of abode in China, with full civil capacity of natural person in Hong Kong and Taiwan, with full civil capacity of foreigners have the right of abode in China mainland.
3, the loan conditions: the borrower must also meet the following conditions: (1) have a legitimate identity; (2) a stable income, good credit, have the ability to repay the loan principal and interest; (3) other documents valid purchase, overhaul housing contract, agreement and the lending bank to provide the; (4) to purchase (Major) the price of all houses more than 20% self financing, and guarantee for the payment of the purchase of the first payment of housing (repair); (5) bank loans approved for a mortgage or pledge of assets, or (and) Corporation, adequate compensatory capacity of other economic organization or natural person as a guarantor of loans to the other conditions; (6) rules.
4, the loan amount: the maximum for the purchase of housing (repair) value of the whole price or evaluation (whichever is lower) 80%;
5, the term of the loan: a maximum of 30 years in general.
6, the loan interest rate: the term of the loan is 5 years (including 5 years): loan interest rate of 4.77%; the term of the loan is 5 years, loan interest rate of 5.04% (February 21, 2002 onwards).
7, the loan application should be submitted to the data:
(1) the individual housing loan applications;
(2) a copy of identity documents (identity card, residence booklet, military ID, the right of abode in Chinese overseas, natural and man-made, foreign passport, visiting card, return card, residence certificates or other ID);
(3) as approved by the authority department issued by the borrower stable income proof documents or other debt paying ability;
(4) the legitimate purchase (repair) housing contract, agreement and other relevant documents of approval;
(5) mortgage or pledge of bill of rights and management authority documents, the disposition issued by the consent of the collateral or pledge, mortgage loans issued by accredited assessment body the valuation report;
(6) the guarantor issued a written commitment to provide security and guarantor of the credit certificate;
(7) the construction bank deposit receipts, bonds and other documents to provide loans for borrowers pledge of securities
(8) the borrower for the purchase (repair) of the self financing housing proved;
(9) housing sales (pre) sell permits or sale of real estate (Xianfang) (copy);
(10) if the borrower's spouse and jointly apply for loans, loan applications must fill out about spouse, and produce a marriage certificate and residence booklet;
(11) other documents credit line provided and information
8, the customer loan process:
(1) apply. Customer borrowing from banks to submit written applications, and submit the relevant data.
(2) the signing of the contract. The loan applicant upon notice of approval of the bank loan after loan, to sign the loan contract and the contract of guarantee, and as legalization, mortgages registration, insurance and other related procedures.
(3) to open an account. Repayment deduction method chosen by the customer must sign the entrustment agreement with the bank, and the opening of the repayment of private savings passbook savings accounts or card, credit card account in the loan bank designated outlets. At the same time, while people have houses or deposit account opened in the loan account.
(4) supported by loans. The loan agreement with loans, loans after the completion of the relevant procedures, in accordance with the loan contract, the Borrower Loans directly into the deposit accounts in the opening line of credit, or loans or a sub sub into houses in the opening line of credit account.
(5) the repayment schedule. According to the loan contract, the borrower repayment plan, loan principal repayment methods. The choice of repayment of entrustment and counter repayment in two ways.
(6) loans to settle. Loans to settle includes early settlement and settlement of two normal. Early settlement refers to the loan maturity (one-time repayment of principal and interest loans or loans) last period (installment loan before the loan settlement); normal settlement refers to the loan maturity (one-time repayment of principal and interest class) or loan last period (installment loans) settlement of loans. Such as the early settlement of the loan, the borrower shall handle all the money in the settlement, 10 working days in advance loan for early settlement request. Settle the loan, borrowers from loans for a "loan discharge", take ownership of real estate mortgage registration certificate and the original insurance policy, and a bank loans issued "loan cleared proof" to the original mortgage registration department to handle the mortgage registration cancellation procedures.
Method of repayment
The duration of the loan within 1 years (including 1 years), a one-time payment due principal and interest repayment method.
The term of the loan in 1 years or more, can be used for repayment of principal and matching principal repayment law. The borrower can choose repayment methods, but a loan contract can choose a repayment methods, after the signing of the contract, shall not change.
Matters needing attention
The provisions of 1, repayment method
The duration of the loan within 1 years (including 1 years), the introduction of a debt due, with the benefit of clear; loan period in more than 1 years, can choose matching service, matching the principal or progressive repayment method to repay the principal and interest of loans.
2, the interest rate adjustment
(1) during the loan interest rate stipulated by the people's Bank of China execution. The duration of the loan within 1 years (including 1 years), with the adjustment of the legal interest rate, no adjustment lending rates, continue to implement the contract rate; loan period in more than 1 years, with the adjustment of the legal interest rate, next year the beginning of January 1st, according to the corresponding interest rate level of the implementation of the new rates.
(2) the loan contract signed loan contract, period and bank loans, in the event of legal loan interest rate adjustment, implementation of the new loan interest rate loan account open.
3, installment plan adjustment
(1) loans, if the loan interest rate changes, adjust interest rates in January 1st of the following year, and according to the not to loan interest rates and remaining maturity loans, adjusted to calculate installment payments;
(2) early repayment, repayment amounted to loan specified amount, can choose to calculate the instalment payment or does not change the instalment payment to repayment.
4, the first phase of repayment
Personal commercial housing loan to take instalments, generally take regular interest. The general does not require the borrower in the loan repayment of loans, and take the next interest settlement period should also return money. The individual housing loans loans, the actual days plus the next interest settlement period for the initial loan.
5, the early repayment of loans principle
(1) early repayment means that the borrower has a certain ability to repay, offered some or all of the early repayment of the loan to the bank loan behavior. Early repayment shall be deemed as the borrower defaults (i.e. not handled according to the stipulations of the contract), required banks shouquweiyaojin.
(2) the early repayment of the borrower prerequisite: before the loan does not default, and previous interest, the interest and default payments paid; if any arrears of principal, interest and penalty situation, should be returned in arrears and current interest.
(3) the duration of the loan within 1 years (including 1 years), a one-time payment due principal and interest repayment method. The consent of the lender, the borrower can advance settlement of all loans, according to the original contract interest rate according to the actual term interest, but not in advance repayment of principal part.
(4) the loan period in more than 1 years, in the loan period, the borrower to the bank in advance repayment written application, the consent of the lender, the early part of the principal or early settlement of all loans, prepayment is no longer part of the interest in the later period, had been collecting loan interest is no adjustment. Early repayment of all loans, with the consent of the lending bank, according to the agreed time limit of the contract interest rate and the balance of loans in accordance with the number of days of actual occupancy of interest.
6, the extension of the loan period principle
(1) the borrower for some reason, the need to extend the repayment period of loan, the loan must be 20 working days in advance to "individual housing loan extension application form" and the relevant certificates;
(2) conditions: one is the term of the loan has not yet expired, the two is to extend the deadline for repayment of the borrower must first loan interest, principal and liquidated damages.
(3) the borrower to apply for extension only once;
(4) the duration of the original loan and extend the deadline and the length of not more than 30 years;
7, principal agent
Commission payments or signed loan contracts, legal documents to the client when the client, the service shall be deemed completed.
The above lists the main contents of bank loans and the matters needing attention.
Purchase loans is an important form of the social property, and the loan is divided into short-term loans and long-term loans. The wise man knows the necessity to purchase loans, and this need that people have enough income to pay the principal and interest of the loan principal and interest, and no ability to repay their monthly loan people, bank certainly will not lend to you! But the fact is not willing to waste money in vain to put there, and for mortgage housing, land,...... that although some risk but it is a good......