Taiyuan second-hand housing mortgage loan notes

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  • / Author: Aaron Lewis
Taiyuan second-hand housing mortgage loan notes(2011-08-01 12:34:23)
One, the definition of
The secondary housing mortgage refers to the individual with the housing property permits, in the purchase of houses can be traded in the market of housing or commercial housing, they pay a certain proportion of the first payment, the remaining part to purchase property as collateral, to apply for bank loans.
Two, borrowers conditions
1At the age, with full civil capacity of natural persons 18-60 years of age
2,And their spouses social record and good credit, personal credit record level (such as to adjust the standard, according to the adjusted level) is not allowed, at present in our banks and other financial institutions is no outstanding loan.
3,Engaged in legitimate occupation, stable source of revenue.Individual industrial and commercial households, the owners of private enterprises and self-employed should be continuous normal operation 1Years (including 1Years or above).
4Have the ability to repay the loan principal and interest. The proceeds of the loan owing on the loan ratio control in50%(including 50%), overall income owing on the loan ratio control in 55% (including 55Following.
Three, mortgage housing conditions
16, is located in Taiyuan city within the city
2,Within 25 years of age in the property to the propertyInvestigation personnel to the scene to see, affirmation of no major defects affecting the normal use of existence
3Mortgage, seizure, freezing, no, not in the announcement, the transformation of the old city and the dangerous range
Four, the loan amount
1The first set of housing loans,: price or the assessment price is highest do not exceed the purchase of housing (whichever is lower) *70%
2, two sets of housing loans: price or appraised value is highest do not exceed the purchase of housing (whichever is lower) *40%
3Full payment, mortgage loans: price or appraised value is highest do not exceed the purchase of housing (whichever is lower) *60%
Five, the loan period
1, the length of not more than 30 years, and shall not exceed the remaining useful life of housing
2,No more than the duration of the loan and the borrower age and 65 Years. Common borrowing, the age of the borrower in principle to the older applicants shall prevail, but if the younger applicants belonging to high-quality employees, the age of the quasi.
3Do not exceed the term of the loan and mortgage the age and 45 Years.
Six, the loan interest rate
1,The first set of housing loan: according to the relevant policy rates may downward float 5-15% highest, quality customer executable downward float of 15%.
2, two sets of housing loans: according to the relevant policy interest rate broke surface 10%
3Full payment, mortgage loans: according to the relevant policy rates may downward float of 5%
Seven, the need to submit data
The buyer must provide information to the bank:
1The couple's identity cards, account of this (and my home page), a copy of marriage certificate, single customers with Civil Affairs Bureau issued no marriage registration certificate (at least 2);
2Bank fixed format proof of income (cover seal unit or personnel labour),Occupation certificate,Salary account water, household savings, highest education certificate, qualification certificate copy;
3If both husband and wife accounts for the field of eachProvide more than 1 year tax certificate or social insurance certificate.If a party for local accounts for one field to provide overseas accounts for at least 1 years tax certificate or social insurance certificate.
The Seller shall provide information to the bank:
1The couple's identity cards, account of this (and my home page), marriage certificate, a copy of property card;
2If the seller is divorced, provide a divorce certificate, Civil Affairs Bureau issued without marriage registration certificate, the court judgment or property division agreement.
The above documents information are the A4 paper copy
3The owner is a certificate must provide the original owners bank folded copy, lenders must be put into the original owner then if the person.
Eight, the relevant fees and charges
The guarantee feeLoan amount of *5%+1000 element
Assessment feesEvaluation of *5
Notarization fee400 yuan / T
Mortgage registration feesThe loan amount *2 ‰ +5 yuan (Registration stamp duty)
Core document fee: 400 yuan / single
Nine,High quality staff refers to the natural person and meet the following conditions:
(a) At the age of 22Zhou Sui (including 22Zhou Sui) to 55Zhou Sui (including 55Citizens of the people's Republic of China Zhou Sui) between, with full capacity for civil conduct.
Two. Good credit, personal credit record level is normal or defective, in our banks and other financial institutions is no outstanding loan.
Three. The local state administrative institutions, large and medium-sized state-owned enterprises, the global top five hundred enterprises owned or controlled enterprises, high-quality listing Corporation (listed, domestic and foreign stock exchange and at least keep nearly three year continuous good profitability) formal employees, stable source of revenue, and has one of the following qualifications:
1 In the present work unit 5 Years (including 5 Years or above).
2 Bachelor degree (including undergraduate) above, in the present work unit 2 Years (including 2 Years or above).
3 Graduate students (including graduate) degree.
4 In the unit as managers (including Department Manager) above or equivalent position.
5 Registered accountant, auditor, cost engineers, valuers, architect,Structural engineers, civil engineers, consultants, real estate appraiser, lawyers, registered
Financial analyst or planner professional occupation qualification.