Legal subjectivity: Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce several common conditions required for ICBC housing mortgage loans. Loan type 1: Personal credit loan Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan? Usually, banks require borrowers to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank. Loan Type 2: The reason why more and more people choose real estate mortgage loans is that the interest rate of ICBC mortgage loans is generally the benchmark interest rate, and the pressure of repayment is relatively small. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the income and credit of the lender, the housing period should be less than 20 years and the housing area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years. I took a fancy to a new house, 85 square meters, 3 1 10,000, but the down payment needs 200,000, but at present I can only take out10/10,000. I would like to ask, in this case, I take this new house as collateral, can the bank give me a loan of 200 thousand as a down payment? That is to say, the bank gave me 200,000 yuan as the down payment, and I paid the rest 1 10000 yuan by myself, and then I paid back 200,000 yuan from the bank every month. I heard that the loan will take about 1 month. Is it ok? How can I get the developer to keep this house for me? Only by finding a way to make up the required down payment will the bank enter the loan process. If the real estate agent asks you to make a down payment of 200,000 yuan, you can negotiate with the real estate agent according to the relevant industry regulations, and the down payment is generally 30% of the total house price. Just apply for a loan from the bank for the rest.
Legal objectivity: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.
Second, what conditions are needed to apply for housing mortgage loans in ICBC!
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3. What is ICBC's real estate mortgage loan process?
The process of ICBC's real estate mortgage loan is: the borrower raises the house; The borrower and the mortgagor shall prepare the documents and certificates required for applying for loans as required; Conduct on-the-spot investigation, evaluation (survey) and valuation of mortgaged houses by relevant institutions; When the loan is approved, the bank shall handle the mortgage registration procedures submitted by the applicant; The borrower opens a repayment account and the bank lends money to the account.
the basis of law
Article 35 of the Commercial Bank Law: Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans are subject to the law of separating loan review from grading approval. Article 36 A borrower shall provide a guarantee for a commercial bank loan. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can really repay the loan, so it may not be mentioned.
4. Can ICBC apply for a car loan?
Bank car mortgage is a good loan. Generally speaking, as long as the borrower has a good personal credit, a stable job and income, and the ability to repay the loan principal and interest on time, it is better to apply for automobile mortgage in the bank. In addition, the bank's car mortgage depends on the condition of the car, such as the age of the car, the price of the car, the property right inquiry of the car (the mortgaged car can no longer apply for mortgage loan), whether it is an accident car, etc., all of which have an impact on the final loan amount.
The requirements of bank auto mortgage on users' personal credit and income are usually higher than those of auto financing companies, and the process of loan approval will be relatively long. However, the car loan interest of banks is lower than that of financial companies, so if you can apply for a car loan from banks, don't apply for a car loan from financial companies.
If a user's personal credit information is tainted, it is generally difficult to apply for automobile mortgage in a bank. At this point, users can try to apply for auto loans in auto financing companies.