Some knowledge

  • Created:
  • / Author: Aaron Lewis
    Individual housing loan portfolio refers to meet individual housing conditions, commercial loan borrowers also paid housing provident fund, in handling individual housing commercial loans can also apply for individual housing provident fund loans, and the borrower to purchase this city town occupied housing (or other approved by the bank guarantee) as collateral may also apply for personal housing accumulation fund loans and commercial individual housing loans to banks.
The loan object
The purchase of owner occupied housing in the local, retired workers at the same time, the local housing fund management center housing provident fund system of housing accumulation fund deposit and currency units.
Loan conditions
1, with the local town resident accounts or valid residency (such as identity card, residence booklet, military documents, temporary permits);
2, have a stable occupation and income, loan servicing capacity;
3, with the contract or purchase housing related documents;
4, a housing fund management center recognized assets as collateral or pledge; or the borrower can not provide full collateral (pledge), a lender approved and meet the requirements, the unit or individual has sufficient capacity to compensate for the repayment of principal and interest for loans and assume joint responsibility for;
5, to meet other conditions prescribed housing fund management center.
Loan portfolio of personal need to provide information
1 the applicant and the spouse (if married) id, the mainland people to provide "temporary residence permits" in Beijing city and Beijing City Real Estate Center opened documents "other provinces and cities in Beijing approved the purchase orders"
Proof of 2 marital status: married, unmarried, divorced
Signed 3 and houses units with the purchase contract or agreement of Beijing City Hall uniform provisions, and the relevant documents
4 "the first proof of payment" original and payment receipt or certificate in this bank is not less than the first payment of deposit
5 proof of income (cover seal unit)
6 - unit copy of business license (with the official seal and reflect the current annual)
7 the borrower unit agreed to loan certificate;
8 housing fund management center and bank loans to provide other materials.
Loan portfolio related costs
1, the lawyer fees: General in order to apply for a loan amount of 3 ‰, charged by a law firm;
2, the assessment fee: housing price in 1000000 yuan the following, according to the price of 5 ‰. (see assessment charges)
3, the premium prices: total * cost coefficient (see housing insurance cost coefficient) * the loan period, the applicant Yicijiaoqing, charged by the insurance company.
4, the stamp duty: apply for the loan amount of 0.05%, collected by the taxation bureau;
5, bank account opening fee: RMB 10 yuan, charged by the bank.
　With the banks of the specific requirements of different, should submit the material will be different.
Loan portfolio loans
The borrower to the housing fund management center (divided) fill out the "loan application form" and provide relevant information.
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Housing fund management center (points) for the trial of the borrower, loan applications, including certification approved loan amount and duration, determine the loan guarantee way etc..
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                         Provident fund loan amount is not enough
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The trustee bank survey, the borrower includes: purchase behavior is legal; whether the mortgage or pledge to meet the requirements; income, whether to have the ability to repay the loan principal and interest; a guarantor, surety is guarantee qualification.
              
 The trustee bank survey of qualified, the trustee bank to make an investigation The trustee bank agency survey, provide personal housing portfolio
 Submissions to the housing fund management center (points), by  Loans, by the administrative department for examination and approval
 Housing fund management center for approval (points).
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 Through the examination and approval, the housing fund management center (points)         The competent authority for examination and approval by the bank.
 Issuing loans notice.
              
The bank received notice, signed the loan contract with the borrower, mortgage, pledge or guaranty procedures, signed a transfer payment authorization, to open a personal loan account.
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Loan contract in force, the housing fund management center (divided) into the loan fund, then the fund into the account to developers.
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                     The borrower repays the loan on time in accordance with the provisions of the way.
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               The borrower repaid the loan interest, mortgage guarantee, to recover the relevant documents.