Commercial loans house purchase procedures
First, the borrower and the bank designated developer signed purchase agreements;
Second, the borrower to the bank purchase agreement, personal identity, and a copy of the original accounts thin 3. On that personal income (in credit certificates). At the same time providing banking requirements of the pledge, the security procedures. (Some banks to borrowers age limit, if not more than 60 years of age, etc.);
Third, according to bank in the bank to open accounts, payment of the first phase of the purchase (usually 30 percent), established line of credit;
4, bank approval, grant loans. Purchase agreement came into effect, the borrower opened surname scheduled debt service.
Provident Fund loans house purchase procedures
First, the borrower to security companies to provide relevant information that: both spouses (if common loan, need to participate in the loan) of the ID card, such as thin accounts and a copy of the original three; borrower's marital status that And a copy of the three, two couples (participation loan), the original proof of income and a photocopy; prices accounted for 40 percent or more of the deposit to prove that the self-financing real estate trading center or units issued by the Shoufang Original and two copies of receipts; purchase a copy of the original, and 2;
Second, the portfolio of loans for the borrower (including their spouses), the unit provided by the provident fund account and I units (including his spouse) on payment of provident fund (in the "personal housing mortgage loans for home buyers to fill and seal Cheng Baobiao );
Third, the loan amount to be determined by the lending banks, urban housing reform fund management centre, a security company for approval;
40, signed after approval by the relevant contracts, for the procedures. Bank loans. Borrowers scheduled debt service.
Bid for the cost of mortgage loans
1, legal fees
2, notarization fee
3, documents custodial fees
4, real estate mortgage registration / filing / cancellation charges.
Bid to host the individual mortgages to buy homes should pay what taxes and fees »
Bid for personal unsecured loans, buying houses usually have to pay stamp duty, notary fees, registration fees, custodial fees and other costs, but provide different mortgage bank in fees and standards, there are also some differences. Here are some examples for reference purposes only.
List of some banks to mortgage costs
Provides mortgage banking fees and charges fees Remarks
China Construction Bank (1) mortgage registration fees, 370 yuan / sets of real estate registration
(Guangzhou Branch) service fees charged
(2) contract for 200 yuan notary / sets and notary offices charged
(3) agent service fees as the amount of each loan
(Including legal fees and accountants fees) 500-1500 dollars
(4) documents custodial fees 80 yuan / sets.,
(5) stamp duty on the loan amount and the Inland Revenue Department received 0.05 ‰
(6) annual premiums by 1 ‰ calculation of the total price charged behalf of insurance companies
By one-time mortgage payments are paid in life
(1) registration fee charging 70 yuan / were charged by the real estate registration
Agricultural Bank (Guangzhou Guangzhou Branch)
(2) he right of the registration fee of 0.5 ‰ prices and real estate registration charge
(3) document nominal fee 20 yuan / applications for loans charge
(4) documents custodial fees 200 yuan / sets after the approval of loan applications received
(5) stamp duty on the loan amount and the Inland Revenue Department collected 0.5 ‰
(6) contract notarization fee 30 yuan / sets and notary offices charged
(7) the total annual premium prices calculated 1 ‰
By one-time mortgage payments are paid in life
(1) related business lawyer fees of the loan collection of 3 ‰
Industrial and Commercial Bank of Guangzhou City
Benevolent act Road Branch
(2) documentation custodial fees 250 yuan / Case
(3) stamp duty on the loan amount and the Inland Revenue Department received 0.05 ‰
(4) premium prices by the year-on-year to 1.5 ‰ behalf of insurance companies charge
Provide mortgages to buy homes in major banks and loan repayment
To provide individual mortgages to buy homes of the major banks
Currently individuals can purchase mortgages from the banks of a development bank to more than 10 home mortgage business for the major banks:
1, the Construction Bank of China: Ministry of real estate credit. The bank personal housing mortgage loan market in a dominant position on the market share of 70 percent.
2, Industrial and Commercial Bank of China: Ministry of real estate credit. Start too early, but not yet fully in this business.
3, Bank of Communications: Real Estate Finance Ministry. Although the early start, but not yet in full swing this business.
4, the Agricultural Bank of China: Ministry of Finance. Is still at the initial stage, but growing rapidly.
5, the Bank of China: Ministry of Finance. Less business, but starting early, high-impact in some areas.
6, Guangdong Development Bank: Finance Department. Yet only partially carried out within the framework of the business.
7, Shenzhen Development Bank: Finance Department. Yet only partially carried out within the framework of the business.
8, CITIC Industrial Bank: Finance Department. Yet only partially carried out within the framework of the business.
The way to repay personal loans
First, according to the signing of the purchase price under the contract on equal points of outstanding loans. Customers should be stipulated in the contract the monthly loan repayment has taken the initiative in its purchase of savings account should also foot the monthly principal and interest of loans from banks should be deducted at the monthly repayment of loans;
Second, the early repayment: one month in advance, should apply to banks, which can be removed from the loan interest ahead of time, but the interest rate is still the original loan interest rates for the implementation of the same period.
How cost-effective purchase loans loan »
The most important loans from the bank today to buy a house business "for banks to buy a house" concept enjoys popular support, bank purchases of mortgage loans has become a buyers access to housing a very effective means.
However, both the banking or real estate developers, and even the media, actively promote, promote purchases of loans at the same time, "How to repayment" did not give people a clear buying houses that so many people in the house purchase also Bank lending there are many errors.
Interest loan purchases after the first and principal »
! Through bank loans 320,000 yuan to purchase a set of commercial housing, 30 repaid loans, for 1,650 yuan.
His own calculations calculation: 320,000 yuan loan (principal) × bank interest rates × 360 months, more than 535,000 yuan, which means that 30, he returned to the bank's money than the bank loaned his principal (that is, The loan amount) more than 20 million.
Later, he also adopted multi-understand, in fact, also found that loans in the course of some years ago, also by the bank's monthly 1,650 yuan, most of the interest and principal amount of 320,000 yuan is also the very few. That is, if after 10 years, the remaining loans are repaid once the capacity, which is basically most of the money also is the principal. For example:! By the bank to repay the 535,000 yuan after a 20, he left the ability to lump-sum loans, which also have at least the amount is more than 60 percent of the principal. In other words, the former 15 is also the most interest, after 15 is also the basic principal.
He said: "If this is the case on the cost-I, because I only have difficulty funding the loans, to 20 after one-time payment to the money, I can only take up a bank 20 of the principal amount, but Almost 30 years of interest are returned to the bank early. "
He's a lot of ideas on behalf of the remaining concerns of house purchase loans, 30 bank loans, interest and principal of almost half half, and also the first interest is, after also is the principal, really? »
Construction Bank, pointed out that many people purchase method of repayment error
Construction Bank Beijing Branch of the Department of Real Estate Finance Chang Shi Yu in an interview that a number of buyers in the calculation of loan the error.
Chang Shi Yu 300,000 yuan of loans, loan period of 30 years (360 months) as an example, the loan interest rate at 5.58% (on interest rate 4.65 ‰), by matching the monthly repayment know the formula for calculating the amount of repayment 1718.46 Yuan. At this time, the proportion of principal and interest is what it »
Borrowers to obtain loans after the first month of interest should also:
300000 × 4.65 ‰ 1395
Borrowers to obtain loans after the first month by the principal as:
1718.46-1395323.46 yuan
The borrower after the first month of the remaining loan principal repayment as follows:
300000-323.46299676.54 yuan
Borrowers to obtain loans after the first 12 months should also of interest:
299676.54 × 4.65 ‰ 1393.50
Borrowers to obtain loans after the first 12 months by the principal as:
1718.46-1393.5324.96 yuan
The borrower after the first 12 months of repayment for the remainder of the loan principal:
299676.54-324.96299351.58 yuan
After all, so the repayment formula and so forth.
In other words, people buying houses in existing loans are mainly embodied in the error of 30 will be of interest to the loan, in fact, with the principal and interest is the continuing decline in the corresponding reduction.
According to the formula we can see that the borrower first 60 months (assuming) the repayment after five years remaining after repayment of loan principal 277674.08 yuan, at this time, assuming three possible ways to see the repayment of the changes.
1. Repaid ahead of all loans
The remaining loan principal will be repaid to 277674.08 yuan.
2. Repayment ahead of 100,000 yuan
After the advance repayment 100,000 yuan, the remaining loan principal into 177674.08 yuan, the remaining loan period into a 300, the lending rate at 5.58% (assuming interest rates unchanged), the monthly repayment of the matching formula was also know The amount into 1099.58 yuan.
3. Event of the People's Bank interest rate adjustments
The assumption that 30 individual housing loan interest rate from 5.58 percent into a 4.59 percent (on interest rates for 3.825 ‰), the remaining loan principal 277674.08, the remaining period of 300 loans, the interest rate on loans 3.825 ‰ into the monthly repayment of the matching formula Available on the repayment was 1557.62 yuan.
Bank loans also how cost-effective »
Construction Bank, who acknowledged that buying houses in the repayment of some years ago, the interest burden heavier, because the principal base of large, high interest rates corresponding to the number of years later, as the principal base for the reduction of interest rates will gradually Reduction. But this way, to think of a time to settle the remaining loans on some cost-speaking people, because then the interest on a very small proportion.
Therefore, the person to purchase people make a suggestion, the loans in previous years, to fight for more repayment, such as all of a sudden also 50,000, bringing the total loans in the principal base of decline, then the remaining loans, Perhaps only the future more than 10 million, but there are still more than 20 years repayment period, interest burden is very small, this would not have to hurry to the first repayment. Do not forget, all of a sudden also out of the money is not paid a penny of interest.
First, the borrower and the bank designated developer signed purchase agreements;
Second, the borrower to the bank purchase agreement, personal identity, and a copy of the original accounts thin 3. On that personal income (in credit certificates). At the same time providing banking requirements of the pledge, the security procedures. (Some banks to borrowers age limit, if not more than 60 years of age, etc.);
Third, according to bank in the bank to open accounts, payment of the first phase of the purchase (usually 30 percent), established line of credit;
4, bank approval, grant loans. Purchase agreement came into effect, the borrower opened surname scheduled debt service.
Provident Fund loans house purchase procedures
First, the borrower to security companies to provide relevant information that: both spouses (if common loan, need to participate in the loan) of the ID card, such as thin accounts and a copy of the original three; borrower's marital status that And a copy of the three, two couples (participation loan), the original proof of income and a photocopy; prices accounted for 40 percent or more of the deposit to prove that the self-financing real estate trading center or units issued by the Shoufang Original and two copies of receipts; purchase a copy of the original, and 2;
Second, the portfolio of loans for the borrower (including their spouses), the unit provided by the provident fund account and I units (including his spouse) on payment of provident fund (in the "personal housing mortgage loans for home buyers to fill and seal Cheng Baobiao );
Third, the loan amount to be determined by the lending banks, urban housing reform fund management centre, a security company for approval;
40, signed after approval by the relevant contracts, for the procedures. Bank loans. Borrowers scheduled debt service.
Bid for the cost of mortgage loans
1, legal fees
2, notarization fee
3, documents custodial fees
4, real estate mortgage registration / filing / cancellation charges.
Bid to host the individual mortgages to buy homes should pay what taxes and fees »
Bid for personal unsecured loans, buying houses usually have to pay stamp duty, notary fees, registration fees, custodial fees and other costs, but provide different mortgage bank in fees and standards, there are also some differences. Here are some examples for reference purposes only.
List of some banks to mortgage costs
Provides mortgage banking fees and charges fees Remarks
China Construction Bank (1) mortgage registration fees, 370 yuan / sets of real estate registration
(Guangzhou Branch) service fees charged
(2) contract for 200 yuan notary / sets and notary offices charged
(3) agent service fees as the amount of each loan
(Including legal fees and accountants fees) 500-1500 dollars
(4) documents custodial fees 80 yuan / sets.,
(5) stamp duty on the loan amount and the Inland Revenue Department received 0.05 ‰
(6) annual premiums by 1 ‰ calculation of the total price charged behalf of insurance companies
By one-time mortgage payments are paid in life
(1) registration fee charging 70 yuan / were charged by the real estate registration
Agricultural Bank (Guangzhou Guangzhou Branch)
(2) he right of the registration fee of 0.5 ‰ prices and real estate registration charge
(3) document nominal fee 20 yuan / applications for loans charge
(4) documents custodial fees 200 yuan / sets after the approval of loan applications received
(5) stamp duty on the loan amount and the Inland Revenue Department collected 0.5 ‰
(6) contract notarization fee 30 yuan / sets and notary offices charged
(7) the total annual premium prices calculated 1 ‰
By one-time mortgage payments are paid in life
(1) related business lawyer fees of the loan collection of 3 ‰
Industrial and Commercial Bank of Guangzhou City
Benevolent act Road Branch
(2) documentation custodial fees 250 yuan / Case
(3) stamp duty on the loan amount and the Inland Revenue Department received 0.05 ‰
(4) premium prices by the year-on-year to 1.5 ‰ behalf of insurance companies charge
Provide mortgages to buy homes in major banks and loan repayment
To provide individual mortgages to buy homes of the major banks
Currently individuals can purchase mortgages from the banks of a development bank to more than 10 home mortgage business for the major banks:
1, the Construction Bank of China: Ministry of real estate credit. The bank personal housing mortgage loan market in a dominant position on the market share of 70 percent.
2, Industrial and Commercial Bank of China: Ministry of real estate credit. Start too early, but not yet fully in this business.
3, Bank of Communications: Real Estate Finance Ministry. Although the early start, but not yet in full swing this business.
4, the Agricultural Bank of China: Ministry of Finance. Is still at the initial stage, but growing rapidly.
5, the Bank of China: Ministry of Finance. Less business, but starting early, high-impact in some areas.
6, Guangdong Development Bank: Finance Department. Yet only partially carried out within the framework of the business.
7, Shenzhen Development Bank: Finance Department. Yet only partially carried out within the framework of the business.
8, CITIC Industrial Bank: Finance Department. Yet only partially carried out within the framework of the business.
The way to repay personal loans
First, according to the signing of the purchase price under the contract on equal points of outstanding loans. Customers should be stipulated in the contract the monthly loan repayment has taken the initiative in its purchase of savings account should also foot the monthly principal and interest of loans from banks should be deducted at the monthly repayment of loans;
Second, the early repayment: one month in advance, should apply to banks, which can be removed from the loan interest ahead of time, but the interest rate is still the original loan interest rates for the implementation of the same period.
How cost-effective purchase loans loan »
The most important loans from the bank today to buy a house business "for banks to buy a house" concept enjoys popular support, bank purchases of mortgage loans has become a buyers access to housing a very effective means.
However, both the banking or real estate developers, and even the media, actively promote, promote purchases of loans at the same time, "How to repayment" did not give people a clear buying houses that so many people in the house purchase also Bank lending there are many errors.
Interest loan purchases after the first and principal »
! Through bank loans 320,000 yuan to purchase a set of commercial housing, 30 repaid loans, for 1,650 yuan.
His own calculations calculation: 320,000 yuan loan (principal) × bank interest rates × 360 months, more than 535,000 yuan, which means that 30, he returned to the bank's money than the bank loaned his principal (that is, The loan amount) more than 20 million.
Later, he also adopted multi-understand, in fact, also found that loans in the course of some years ago, also by the bank's monthly 1,650 yuan, most of the interest and principal amount of 320,000 yuan is also the very few. That is, if after 10 years, the remaining loans are repaid once the capacity, which is basically most of the money also is the principal. For example:! By the bank to repay the 535,000 yuan after a 20, he left the ability to lump-sum loans, which also have at least the amount is more than 60 percent of the principal. In other words, the former 15 is also the most interest, after 15 is also the basic principal.
He said: "If this is the case on the cost-I, because I only have difficulty funding the loans, to 20 after one-time payment to the money, I can only take up a bank 20 of the principal amount, but Almost 30 years of interest are returned to the bank early. "
He's a lot of ideas on behalf of the remaining concerns of house purchase loans, 30 bank loans, interest and principal of almost half half, and also the first interest is, after also is the principal, really? »
Construction Bank, pointed out that many people purchase method of repayment error
Construction Bank Beijing Branch of the Department of Real Estate Finance Chang Shi Yu in an interview that a number of buyers in the calculation of loan the error.
Chang Shi Yu 300,000 yuan of loans, loan period of 30 years (360 months) as an example, the loan interest rate at 5.58% (on interest rate 4.65 ‰), by matching the monthly repayment know the formula for calculating the amount of repayment 1718.46 Yuan. At this time, the proportion of principal and interest is what it »
Borrowers to obtain loans after the first month of interest should also:
300000 × 4.65 ‰ 1395
Borrowers to obtain loans after the first month by the principal as:
1718.46-1395323.46 yuan
The borrower after the first month of the remaining loan principal repayment as follows:
300000-323.46299676.54 yuan
Borrowers to obtain loans after the first 12 months should also of interest:
299676.54 × 4.65 ‰ 1393.50
Borrowers to obtain loans after the first 12 months by the principal as:
1718.46-1393.5324.96 yuan
The borrower after the first 12 months of repayment for the remainder of the loan principal:
299676.54-324.96299351.58 yuan
After all, so the repayment formula and so forth.
In other words, people buying houses in existing loans are mainly embodied in the error of 30 will be of interest to the loan, in fact, with the principal and interest is the continuing decline in the corresponding reduction.
According to the formula we can see that the borrower first 60 months (assuming) the repayment after five years remaining after repayment of loan principal 277674.08 yuan, at this time, assuming three possible ways to see the repayment of the changes.
1. Repaid ahead of all loans
The remaining loan principal will be repaid to 277674.08 yuan.
2. Repayment ahead of 100,000 yuan
After the advance repayment 100,000 yuan, the remaining loan principal into 177674.08 yuan, the remaining loan period into a 300, the lending rate at 5.58% (assuming interest rates unchanged), the monthly repayment of the matching formula was also know The amount into 1099.58 yuan.
3. Event of the People's Bank interest rate adjustments
The assumption that 30 individual housing loan interest rate from 5.58 percent into a 4.59 percent (on interest rates for 3.825 ‰), the remaining loan principal 277674.08, the remaining period of 300 loans, the interest rate on loans 3.825 ‰ into the monthly repayment of the matching formula Available on the repayment was 1557.62 yuan.
Bank loans also how cost-effective »
Construction Bank, who acknowledged that buying houses in the repayment of some years ago, the interest burden heavier, because the principal base of large, high interest rates corresponding to the number of years later, as the principal base for the reduction of interest rates will gradually Reduction. But this way, to think of a time to settle the remaining loans on some cost-speaking people, because then the interest on a very small proportion.
Therefore, the person to purchase people make a suggestion, the loans in previous years, to fight for more repayment, such as all of a sudden also 50,000, bringing the total loans in the principal base of decline, then the remaining loans, Perhaps only the future more than 10 million, but there are still more than 20 years repayment period, interest burden is very small, this would not have to hurry to the first repayment. Do not forget, all of a sudden also out of the money is not paid a penny of interest.
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