One, housing mortgage loan concept
    Refers to the lender to a borrower for the purchase occupied housing loans, the lender in the issuance of the loan, the borrower must have been delivered in a prescribed proportion of the first phase of the purchase, and to purchase housing as collateral, before the purchase of housing real estate warrants issued by the housing and mortgage registration is not complete, while the joint liability guarantee provided by the business a loan, and bear the repurchase obligation.

Two, the basic conditions

   1, the borrower has a stable occupation and income, good credit, have loan servicing capacity;

   2, has been with the company signed the "Tai'an commercial housing pre selling contract" (now), on the basis of personal credit information, and has paid the Bank of the provisions of the proportion of the first payment, a minimum of 20% above;

   3, the loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability, the purchase of housing liquidity situation.
Three, must provide the following documents

   Tai'an commercial housing pre 1, purchase with the company signed a contract for the sale of houses "(now)," more than 20% of 1629 receipts;

   2, proof of purchase valid identity certificate, marital status (married or unmarried proof);

   3, property income proof (bank provided in the sales offices);
Four general provisions, business

   1, general loan period within thirty years, and loan maturity should not exceed the borrower (male), 65 (female) 55 years of age.
   2, loan interest rates stipulated by the people's bank. In the case of the adjustment of the legal interest rate, for a period of 1 years, the implementation of the contract interest rate, not sub bearing; for a period of 1 years, while in the second year the implementation of the new interest rate.
   3, the mortgage principal repayment method is divided into principal and interest two, buyers can choose freely. As for the principal debt service on a monthly basis, they lessen; principal for the monthly repayment of principal and interest, the monthly repayment amount unchanged (interest rate adjustment).

Five, housing mortgage loan process

   1, the project sales group and the buyers who signed the "Tai'an commercial housing pre (now) while the sales contracts", according to the requirements of the contract, Shoufu 1629 paid the required;

   2, from the commercial housing sales contracts signed within 5 days from the date of, to the real estate trading center market for contract registration.

   3, the surrender payment payment within seven days from the date of purchase for mortgage banks required information, directly to the bank for the company, cooperation. Specific include: Housing sales contracts (Registration), 1629 receipts, identity cards, marriage certificates, proof of income and bank that need to provide additional information.

   3, the loan for the purchase of household and procedures on all aspects of the investigation, review, and meet the basic conditions of the property (including the house wife) for preliminary procedures, including the loan application, common repayment statement, commitment, notes, loan contract, IOUs; then the purchase loans in the bank deposit account or bank card, bank report to higher authorities for examination and approval.

   4, apply for approval period is generally 7 days. Over the period of time, the marketing department and bank docking, to understand the situation, to solve the problem, actively assist the purchase through loans, timely signing stage security procedures and mortgage bank.

   5, the customer:

   (1) is the application stage of buyers who, because of their own reasons for the cancellation of mortgage loans, within 20 days from the date of cancellation, the purchase should be a one-time payment to pay the balance;

   (2) for the bank finally approved loan amount does not meet the mortgage amount, the purchase should be within 10 days to balance in the bank approval date;

   (3) the purchase because of the credit status, repayment ability, their own reasons, led to the bank's mortgage loan is not approved, the Seller shall not return a house. According to the actual situation, the first adjustment loans for a separate application, has not been approved, upon the application of the purchase, can change the purchase, purchase contracts for people to change related personnel family, kinship and purchase, the marketing department shall timely apply for cancellation of contract for the sale of commercial housing, the other for the signing of the contract. If the purchase were not to change the contract, should be in the bank mortgage loans is not the date of approval, in accordance with the one-time payment within 30 days to pay 1629, breach of contract enforcement in accordance with the relevant provisions of the contract.

   (4) for the long procrastinate not to the lending bank to apply for mortgage loans to customers, sales personnel should establish a supervision mechanism, and will notify the telephone record, three consecutive times (15 days) notice is not conducted in accordance with the contract, shall charge fee for breach of contract.

   6, bank loans approved purchase loan company by revenue, single people to purchase receipts and invoices.

   7, completion of the project after the initial registration (achieved permits), into the mortgage registration procedure.