transfer of individual housing loans

The transfer of individual housing loans by China Construction Bank is to the credit funds in the secondary housing market, the Bank purchased the sale of individual housing loans, housing (including commercial buildings, the same below) of natural persons issued a special form of individual housing consumption Loans, commonly known as "refinancing loans."

1, loan purpose: to support the secondary market in housing on the purchase of individual housing loans outstanding, the sale of housing (including commercial buildings, the same below), commonly known as "refinancing loans."

2, loans: the full civil capacity of Chinese citizens in mainland China have the right of abode with full civil capacity of natural persons in Hong Kong, Macao, the Chinese mainland have the right of abode in the full civil capacity of foreigners.

3, loan conditions: (1) have a legal status; (2) have a stable income, have the ability to repay the loan principal and interest, no adverse credit history, (3) a legitimate and effective housing transactions contract or agreement, (4) Real estate transactions of property rights clarity, to be able to enter the real estate market in circulation (5) of not less than the assessed value or the purchase of housing prices (in both places, whichever is lower) 20% (including 20%) of self-financing; (6) to provide loans to the recognition of an effective security; (7) Bank loans under other conditions.

4, line of credit: a maximum of not more than the assessed value or the purchase of housing prices (in both places, whichever is lower) of 80 percent;

5, loan deadline: general maximum of 30 years (commercial space of up to 10), and do not exceed the purchase of housing the remaining useful life

6, lending rates: lending rate housing loans with interest rates.

7, loan applications should be submitted to the material:

(1) a photocopy of identity documents (identity card, residence booklet, Jun Guanzheng, China's mainland have the right of abode in the territory, foreign natural persons for passports, permits to visit relatives, go home for residence permits and other documents or other identity documents);

(2) approved loans to borrowers ability to repay supporting information, such as: proof of income and assets, such as that

(3) the transfer of the borrower and housing (including housing total) signed a legitimate and effective housing transactions contract or agreement; transfer of housing a total failure of the transaction contracts, agreements signed, agreed to sell its need to provide a written proof .

(4) the transfer of the original housing loan contract and a copy of the original (a copy of the original check and correct, the original refund of the transfer of housing);

(5) the transfer of housing ownership documents; did not complete the certificate of ownership, to provide housing transfer of the original purchase a copy of the contract;

(6) If the transfer of housing for the original loan collateral, and the transfer of individual housing loans and loans to borrowers of loans to the inconsistencies, they should produce the original loan firms agreed to the sale of the property in writing;

(7) for the transfer of housing Qifang or transfer of housing for existing homes but did not register with a mortgage, or the developer is still in the phase of a security guarantee agencies, to provide loans to developers or guarantees issued by the agencies agreed that the property under the new The loans continue to provide a written guarantee instruments;

(8) by the borrower to purchase the transfer of housing mortgage and housing for the transfer of existing homes and the original loan as collateral mortgage registration procedures have been completed, the transfer did not complete the transfer of housing and mortgage registration formalities before, to provide loans to approved Other loans secured by way of security as a stage to the transfer of housing will be transferred to the transfer of housing ownership name of the borrower, the borrower to prove ownership of housing, and completed the registration procedures of the mortgage loans. If the transfer of loans to loans and the original loan - to the same acts, the borrower may provide other short-term security, but the borrowers, who must transfer to the housing loans issued by Cheng Nuohan line, promised cancellation of registration of the original loan collateral, property transfer, the new Mortgage loans must be registered by the transfer of housing, loans to borrowers and staff - to join together for real estate management departments.

(9) borrower for the purchase of housing related to prove that the self-financing;

(10) mortgage or pledge of security, to provide mortgage or pledge of rights ownership documents, issued by the powers who agreed to the mortgage or pledge in writing;

(11) involving the security guarantee, to provide guarantees issued by the agreed to provide a written security guarantee and commitment to the creditworthiness of proof;

(12) provided loans to other documents and information

-- 8, the customer loan process: the same individual housing loans.