As long as the credit information is not particularly bad, it is quite easy to buy a mortgage at CITIC Bank. In fact, it is easy for many banks to buy a car, because there are not many car loans, so the requirements are not so high.
2. How is the mortgage loan of CITIC Bank handled? What are the precautions?
Loan conditions: the loan applicant is at least 18 to 60 years old in China, with full capacity for civil conduct and residence status; Stabilize professional income; Good credit ability, able to repay the loan principal and interest on schedule; Has signed the Certificate of Purchase and Sale of Commercial Housing with Loan with the Seller (original loan); II. The loan amount and term interest rate shall remain unchanged for the mortgage loan amount and term. The original loan term shall be subject to the mortgage loan interest rate in accordance with the regulations of the People's Bank of China, and the third phase shall be implemented after the interest rate is adjusted. Loan Procedures The loan application signed the Commercial House Sales Contract with the real estate seller (original loan); Application materials for loan application; Our approval notice and loan approval statement; Our bank signed a loan contract with the borrower and went through the insurance and mortgage registration procedures; The principal and interest of loans issued by our bank are paid according to the loan contract. Four. Please consult our bank for details of materials to be submitted, such as identification (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, loan application form, down payment, loan contract, house ownership certificate, house property certificate, etc.
Three. When applying for real estate mortgage loan, CITIC Bank needs to submit the materials to the branch for approval. ...
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4. How to handle the mortgage loan of CITIC Bank?
I. Loan terms 1. The loan applicant is a natural person with full civil capacity in China, aged between 18 and 60, and meets the following conditions: 2. Have a local permanent residence or valid residence status; 3. Have a stable occupation and income; 4. Good credit and the ability to repay the loan principal and interest on schedule; 5. A commercial house sales contract has been signed with the seller (original borrower); 6. Provide proof that the house payment can be paid except for the loan; Two. Loan Amount, Term and Expected Annualized Interest Rate The loan amount and term of the loaner shall be maintained within the remaining loan principal and loan term of the original loaner at the end of the loaning application. The expected annualized interest rate of the loan shall be implemented according to the expected annualized interest rate for the period specified by the People's Bank of China and the adjustment method. Three. Loan procedures 1. The loan applicant and the real estate seller (the original borrower) signed a contract for the sale of commercial housing; 2. The loan applicant shall fill in the loan application form and submit relevant application materials as required; 3. The bank approves and informs the borrower of the approval result; 4. Banks sign loan contracts with borrowers and handle insurance and mortgage registration procedures; 5. When the bank issues loans, the borrower repays the principal and interest according to the loan contract. 4. Materials to be submitted before the loan: identity certificate (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, loan application form, down payment certificate, house purchase contract, insurance policy, loan contract, house ownership certificate, house ownership certificate, etc.