What you are talking about is the "personal mortgage loan" business run by ICBC. This business is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to borrowers for personal legal and compliance purposes with the real estate under their names as collateral. Personal housing mortgage loan can be used for buying a house, buying a car, studying abroad, medical care and other consumer purposes. , and can also be used for commercial or other legal purposes to meet your diversified loan needs. Formalities: 1. Apply to the bank, fill in the application form in writing, and submit relevant materials at the same time;
2. After the bank has approved the application materials submitted by you, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. With the consent of the bank, after all the formalities are completed, the bank will directly transfer the loan to your counterparty or distribute it to you by transfer as agreed in the contract, and you will pay it to its counterparty;
4. You must repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the repayment date may be extended by 10 natural days on the basis of the agreed repayment date.
5. After the loan is settled, you should bring your valid ID card and the loan settlement certificate issued by the bank to retrieve the legal documents and relevant supporting documents extracted by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate. The loan is to pay interest, and the interest rate of individual housing mortgage loan is calculated according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, which can fluctuate according to the regulations;
If the loan term is less than 1 year (inclusive), it shall be calculated at the contract interest rate; If the loan term exceeds 1 year, if the interest rate of the People's Bank of China is adjusted, it will be adjusted according to the adjustment time agreed in the contract. Besides the fees mentioned by Hiroko, there are also real estate assessment fees (the evaluation of the value of your property) and notarization fees (the notarization of the property).
Second, how does ICBC carry out housing mortgage loans?
Application conditions: 1. A natural person with full capacity for civil conduct, aged from 18 to 65 (inclusive); 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have good information records and willingness to repay; 4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time; 5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing; 6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; 7. Open a personal settlement account in China Industrial and Commercial Bank; 8. There is an effective guarantee recognized by the lender; 9. Other documents required by China Industrial and Commercial Bank: 1. Identification certificate (husband and wife); Second, the marriage certificate; Third, the household registration book; 4. Proof of income and bank flow in the last six months; (or other proof of assets) 5. Real estate license; (or photocopy) 6. Proof of loan use; Seven, the payee's identity certificate and payee account number; 8. The latest real estate utility bill.
3. How does ICBC develop housing mortgage loans?
The target housing provident fund shall be implemented by all administrative organs, enterprises and institutions, including employees of foreign-invested enterprises, towns and private enterprises. Dedicated to the purchase, construction and overhaul of housing for individual employees. When the personal housing loan applied for is insufficient to pay the purchase price, the insufficient part can apply for a commercial loan from the bank. The application for provident fund mortgage loan is accepted by the municipal housing fund management center and the designated undertaking bank. The application condition is that the employees who have participated in the payment of housing provident fund and paid it continuously have the borrower's fixed income certificate issued by their unit. Each household can only enjoy this loan once. The housing purchased by the borrower must be poverty-stricken housing, affordable housing, ordinary housing with pre-sale permit of commercial housing and secondary market housing. There is a house purchase contract or agreement that meets the legal requirements (a) there are self-owned funds that account for more than 30% of the funds needed for the purchase of self-occupied houses, which are used as the down payment (for the purchase of first-hand houses); (b) the house to be purchased is located in Fuzhou, and the down payment (not less than 40% of the appraised price) has been deposited in the designated bank account (for the purchase of second-hand houses). 7. The maximum loan amount, term and interest rate for each household with permanent residence or valid residence status in this city can be used. The longest loan period is 30 years, and the loan period plus the borrower's age cannot exceed the statutory retirement age. The loan term is 4. 14% for less than 5 years and 4.59% for more than 5 years. Repay the loan principal and interest in equal amount every month. Repayment method: repay the principal and interest of provident fund loan in equal amount every month. The borrower shall repay the principal and interest of the loan at the loan bank every month according to the provisions of the loan contract, or the entrusting unit shall withhold it from the salary every month and transfer it to the loan undertaking bank.
After the loan principal and interest are paid off, the mortgage registration cancellation formalities shall be handled. Handling flow a. The borrower who buys a first-hand house goes to Fuzhou Housing Provident Fund Management Center to collect and fill in the application form-the provident fund center reviews the loan qualification (5 working days)-the undertaking bank reviews the loan safety (20 working days)-the undertaking bank signs the loan contract and mortgage contract with the borrower and the sales unit respectively-the borrower handles mortgage registration and real estate insurance-undertakes bank loan-repayment by the purchaser-and settles the account. B. The applicant who buys a second-hand house signs a real estate sales contract with the seller. And apply to the intermediary company-the intermediary company collects all the information and cooperates with the applicant to go through the formalities in the bank-the fund center examines the loan qualification-undertakes the bank to review the loan safety, and issues a loan commitment letter to the buyer and the seller and the intermediary company-the appraisal agency confirms that real estate assessment-the borrower handles the loan, signs the mortgage contract and handles the real estate insurance-and the intermediary company is responsible for handling the formalities of real estate transfer and mortgage registration. And hand over other warrants to the bank for custody-undertake bank lending-repayment of property buyers-information required for the applicant to settle accounts. At the time of application, the application form must be authenticated and sealed by the employer and submitted: (1) original and photocopy of the borrower's ID card and household registration book; (2) legal commercial housing pre-sale contract or sales contract and photocopy; (3) self-financing certificate of the house to be purchased (original payment receipt has been provided in advance to the seller); (4) (5) When employees apply, they must mortgage their own, * * own or third property.
Note: Married borrowers are required to provide their spouse's ID card.
, household registration book, marriage certificate and two copies of the original, unmarried proof is required. If the applicant purchases a second-hand house, it is also required to provide: (1) the applicant's family income certificate or tax payment certificate; (2) the appraisal report of the appraisal institution recognized by the bank on the appraisal of the collateral; Transfer and withdrawal of provident fund; 1. When an employee changes his work unit, the principal and interest of his housing provident fund will be transferred to the newly transferred employee provident fund account; 2 purchase, construction, renovation and overhaul of owner-occupied housing; 3. When employees retire or move out of the city. 4. If an employee dies during his/her service, his/her successor or donee may go through the extraction procedures in accordance with the relevant provisions of the Inheritance Law. Employees can withdraw the storage balance in the housing provident fund account with the approval of the unit if they meet the relevant conditions. Steps to withdraw housing provident fund: go to the bank to withdraw the approval form and payment voucher-go to the municipal housing fund management center for approval-go to the bank to withdraw housing provident fund.
4. How does China Industrial and Commercial Bank apply for personal housing mortgage loan?
1. Housing mortgage procedures: the borrower fills in the application form for housing mortgage and submits the following bank documents before the loan: the certificate of fixed economic income of the loan issued by the borrower's unit; The business license and legal person certificate of the loan guarantor have legal identification; Abide by the right certificate or the certificate that I have the right to dispose of the house; Mortgaged property and insurance documents; Contract agreement or other supporting documents for the purchase and construction of houses; Lending bank requirements
2 bank loan application, the borrower's purchase contract, agreement and related information inspection line. The borrower takes the property ownership certificate, insurance policy or price list of the property as collateral. Securities are deposited by banks. Notarization certificate that the borrower and the lender sign the House Mortgage Contract as a witness. After the loan contract is signed and notarized, the bank will deposit the borrower in the bank. Payment and transfer to the place or construction unit on the sales list specified in the purchase contract or agreement.
3. Payment settlement and loan settlement include normal settlement and early settlement.
Active and frequent settlement: on the maturity date of the loan (-secondary repayment of principal and interest) or at the end of the loan (amortization); 2. In case of partial or full prepayment, prepayment shall be made in accordance with the loan contract. Apply to the bank and return it to the designated accounting counter after approval by the bank. 4. After the loan is settled, borrow the borrower's valid identity certificate and hold the loan statement to the original mortgage registration department for mortgage registration.
How to apply for ICBC
What collateral can a bank mortgage use? 1 line mortgage loan. The first thing to mortgage is real estate, such as personal good house, family good house, real estate and so on. Production plants, workshops, etc. Generally speaking, real estate mortgage needs to be evaluated first. After the appraisal, the maximum compensation can be 70% to 80% of the appraisal. What are the procedures for ICBC's real estate mortgage loan?
China Industrial and Commercial Bank's real estate mortgage procedures: the real estate license of the couple's marriage certificate room in the past six months, the house purchase contract or the bank statement of personal account. When handling mortgage loans, we should review the bank's loan application, purchase contract, agreement and other related materials. The borrower will prove and guarantee the property right of the mortgaged property. The guarantor of the borrower has signed a mortgage loan contract with the lender and notarized it. After the contract is signed and notarized, the bank will deposit money with the borrower. Payment and sales list are specified in the same or agreement. Location or building unit. Husband and wife's ID card, household registration book, marriage certificate, certificate and bank personal account statement for the past six months. Extended exhibition materials: ICBC housing mortgage loan conditions: natural persons with full civil capacity between 65,438+08 and 65 years old (excluding): foreigners of foreign borrowers and residents of Hongkong, Macao and Taiwan Province provinces must live in People's Republic of China (PRC).
; Have a valid ID card. Ming, proof of household registration (or valid residence permit), proof of marital status (or final marriage sound) has a good credit record and is willing to repay; Have a steady income. The source and function of timely and full repayment of loan principal and interest are stipulated by national laws. Supervision and relevant regulations promise that loans will not flow into the securities market, futures market, equity investment and real estate project development in any form. Other laws and regulations of the state also clearly stipulate that it shall not be used to borrow money to seek illegal income. Prohibited projects; Can provide legal, effective and recognized by the bank. Rely on housing mortgage loan; Open a personal settlement account in China Industrial and Commercial Bank.