How to handle the loan »
If home loans for by the developer, consumers only need to provide the relevant documents, received a notice to banks for various procedures can be. If the consumer for their own, do not understand is particularly troublesome procedures.
Bank loans for house purchase all the procedures and the process is basically the same individual under different aspects to different banks may be. China Merchants Bank is to as an example, a brief introduction to personal home loans for the course for the needs of the consumer reference.
Borrowers basic conditions
1, over 18 years of age with full civil conduct;
2, a stable job and income;
3, has signed with the developers, "sales of commercial housing (PWC) sales contract";
4, all paid by the purchase price by more than 20% of the first payment;
5, a total of borrowers and property of people willing to mortgage the house purchase and registration for mortgage and property insurance.
Borrowers must provide material
1, I and spouses of the effective proof of identity (ID card, residence booklet or other valid proof of residence), the individual operators to provide business license (the original post-mortem, leaving a copy);
2, the borrower that marital status (married or single card that);
3, the field, foreign or single, to the account by the local people to do security;
4, the borrower and spouses of income and property proof;
5, the first purchase contracts and payment receipts;
6, total assets were mortgage undertaking;
7, Bank of housing mortgage loan applications processing table.
Line of credit and term
1, the maximum loan amount not exceeding the full purchase price of real estate 80 percent, the highest commercial outlets of not more than 60 percent;
2, plus loans for borrowers age does not exceed the statutory retirement age, a maximum of 30.
Loan
1, the borrower signed purchase contracts with developers and pay the first payment;
2, the borrower to apply for loans, the loan;
3, Bank of admissibility, investigation, review and approval;
4, banks and borrowers signed loan contracts;
5, legalization, insurance procedures;
6, bank loans
The types of loans
Housing loans in the financial arrangements for funding the contents of a very wide, but the main nothing more than the amount of home loans (percentage), duration and interest rates these three issues. In introducing the three major issues before, it is necessary to once again shows that the current buyers of the three existing loans: individual housing loans, individual housing loans and individual housing commissioned by the loan portfolio. Individual housing provident fund loans from commercial banks to provide commercial loans, individual housing loans was commissioned by the provident fund management center commissioned by the commercial banks of the policy loans, individual housing loan portfolio is a combination of the two before.
Housing accumulation fund loans: For participate in the housing provident fund to pay the residents, house purchase loans, housing provident fund low-interest loans should be preferred. Housing accumulation fund loans of a policy nature of subsidies, loan interest rates low, not only lower than the same period in commercial bank lending rates (commercial banks is only half the mortgage rates), but also lower than the same period of commercial banks deposit interest rates, that is, in the housing provident fund Mortgage rates and bank deposit interest rate spreads between one. At the same time, housing provident fund loans for mortgages and insurance, and other related procedures, fees by half.
Commercial individual housing loans: more than two loans to pay the housing accumulation fund the unit staff to use, more limited conditions, therefore, did not deposit the provident fund housing loan-to-Shanghai people out, but the commercial banks can apply for individual housing loans, that is, Bank mortgage loans. As long as your bank balance of the loans to buy housing for the amount of not less than 30 percent, and as a house purchase down payments, bank loans and is recognized or pledge assets as collateral, or adequate compensation The ability of units or individuals of outstanding loans as a principal and interest are jointly and severally liable and the guarantor, then the bank can apply for mortgage loans.
Individual housing loan portfolio: housing fund management center can release the loan, the maximum limit is generally 10-39 million, if the purchase of more than this amount, less than some would like to commercial banks for housing loans. The two loans together referred to as portfolio loans. The business of real estate by a bank of the unified credit for. Portfolio loan interest rates moderate, larger loan amount, thus lending more to be chosen.
Commissioned by the individual housing loans (provident fund loans) the most cost-effective, individual housing loans (commercial loans) the most interest burden, but the specific differences between the repayment of how much we may wish to re-list the comparison.
Comparison: If a couple buyers to purchase a total 500,000 yuan in housing, with its own funds to pay the first payment 30 percent, or 150,000 yuan, 350,000 yuan for the remaining 15 loans. Couple, on revenue of 6,000 yuan, on provident fund deposit ratio was 20% (business and personal burden on the half), the Provident Fund amounted to 40,000 yuan. Commercial loans than the interest burden of policy loans is much higher, reaching 1 / 3, also on the amount to more than 10% of the total number to nearly 50,000 yuan, is not a small number. It is evident from this, natural selection should be commissioned by the individual housing loans, but will not do, the couple can not completely rely on individual housing loans by, even if their existing Provident Fund amounted to 40,000 yuan, is 10 times by the lower rate calculation they can also apply for 400,000 yuan of provident fund loans, but because the maximum amount of policy loans to only 300,000 yuan, 350,000 yuan or no. Therefore, the couple only, select individual housing loan portfolio. Then, their monthly repayment burden? Affordable » They said the monthly repayment to 2781.45 yuan, but they can be part of the repayment period offset the monthly deposit of provident fund, the amount can be up to 20 per cent of total income, that is 1,200 yuan / month, then they need to pay Mortgage, only () 2781.45-1200) 1581.45 yuan / month, and their monthly income of 6,000 yuan compared to the burden of the very light. However, if there is no provident fund support, relying entirely on commercial loans, the monthly repayment burden is quite heavy, but the total income of about 50 percent of the mortgage burden is acceptable. In determining the proposed buyers purchase budget may wish to carefully Suanyi Suan, and more listed several options compared to the corresponding loan applications again.
If home loans for by the developer, consumers only need to provide the relevant documents, received a notice to banks for various procedures can be. If the consumer for their own, do not understand is particularly troublesome procedures.
Bank loans for house purchase all the procedures and the process is basically the same individual under different aspects to different banks may be. China Merchants Bank is to as an example, a brief introduction to personal home loans for the course for the needs of the consumer reference.
Borrowers basic conditions
1, over 18 years of age with full civil conduct;
2, a stable job and income;
3, has signed with the developers, "sales of commercial housing (PWC) sales contract";
4, all paid by the purchase price by more than 20% of the first payment;
5, a total of borrowers and property of people willing to mortgage the house purchase and registration for mortgage and property insurance.
Borrowers must provide material
1, I and spouses of the effective proof of identity (ID card, residence booklet or other valid proof of residence), the individual operators to provide business license (the original post-mortem, leaving a copy);
2, the borrower that marital status (married or single card that);
3, the field, foreign or single, to the account by the local people to do security;
4, the borrower and spouses of income and property proof;
5, the first purchase contracts and payment receipts;
6, total assets were mortgage undertaking;
7, Bank of housing mortgage loan applications processing table.
Line of credit and term
1, the maximum loan amount not exceeding the full purchase price of real estate 80 percent, the highest commercial outlets of not more than 60 percent;
2, plus loans for borrowers age does not exceed the statutory retirement age, a maximum of 30.
Loan
1, the borrower signed purchase contracts with developers and pay the first payment;
2, the borrower to apply for loans, the loan;
3, Bank of admissibility, investigation, review and approval;
4, banks and borrowers signed loan contracts;
5, legalization, insurance procedures;
6, bank loans
The types of loans
Housing loans in the financial arrangements for funding the contents of a very wide, but the main nothing more than the amount of home loans (percentage), duration and interest rates these three issues. In introducing the three major issues before, it is necessary to once again shows that the current buyers of the three existing loans: individual housing loans, individual housing loans and individual housing commissioned by the loan portfolio. Individual housing provident fund loans from commercial banks to provide commercial loans, individual housing loans was commissioned by the provident fund management center commissioned by the commercial banks of the policy loans, individual housing loan portfolio is a combination of the two before.
Housing accumulation fund loans: For participate in the housing provident fund to pay the residents, house purchase loans, housing provident fund low-interest loans should be preferred. Housing accumulation fund loans of a policy nature of subsidies, loan interest rates low, not only lower than the same period in commercial bank lending rates (commercial banks is only half the mortgage rates), but also lower than the same period of commercial banks deposit interest rates, that is, in the housing provident fund Mortgage rates and bank deposit interest rate spreads between one. At the same time, housing provident fund loans for mortgages and insurance, and other related procedures, fees by half.
Commercial individual housing loans: more than two loans to pay the housing accumulation fund the unit staff to use, more limited conditions, therefore, did not deposit the provident fund housing loan-to-Shanghai people out, but the commercial banks can apply for individual housing loans, that is, Bank mortgage loans. As long as your bank balance of the loans to buy housing for the amount of not less than 30 percent, and as a house purchase down payments, bank loans and is recognized or pledge assets as collateral, or adequate compensation The ability of units or individuals of outstanding loans as a principal and interest are jointly and severally liable and the guarantor, then the bank can apply for mortgage loans.
Individual housing loan portfolio: housing fund management center can release the loan, the maximum limit is generally 10-39 million, if the purchase of more than this amount, less than some would like to commercial banks for housing loans. The two loans together referred to as portfolio loans. The business of real estate by a bank of the unified credit for. Portfolio loan interest rates moderate, larger loan amount, thus lending more to be chosen.
Commissioned by the individual housing loans (provident fund loans) the most cost-effective, individual housing loans (commercial loans) the most interest burden, but the specific differences between the repayment of how much we may wish to re-list the comparison.
Comparison: If a couple buyers to purchase a total 500,000 yuan in housing, with its own funds to pay the first payment 30 percent, or 150,000 yuan, 350,000 yuan for the remaining 15 loans. Couple, on revenue of 6,000 yuan, on provident fund deposit ratio was 20% (business and personal burden on the half), the Provident Fund amounted to 40,000 yuan. Commercial loans than the interest burden of policy loans is much higher, reaching 1 / 3, also on the amount to more than 10% of the total number to nearly 50,000 yuan, is not a small number. It is evident from this, natural selection should be commissioned by the individual housing loans, but will not do, the couple can not completely rely on individual housing loans by, even if their existing Provident Fund amounted to 40,000 yuan, is 10 times by the lower rate calculation they can also apply for 400,000 yuan of provident fund loans, but because the maximum amount of policy loans to only 300,000 yuan, 350,000 yuan or no. Therefore, the couple only, select individual housing loan portfolio. Then, their monthly repayment burden? Affordable » They said the monthly repayment to 2781.45 yuan, but they can be part of the repayment period offset the monthly deposit of provident fund, the amount can be up to 20 per cent of total income, that is 1,200 yuan / month, then they need to pay Mortgage, only () 2781.45-1200) 1581.45 yuan / month, and their monthly income of 6,000 yuan compared to the burden of the very light. However, if there is no provident fund support, relying entirely on commercial loans, the monthly repayment burden is quite heavy, but the total income of about 50 percent of the mortgage burden is acceptable. In determining the proposed buyers purchase budget may wish to carefully Suanyi Suan, and more listed several options compared to the corresponding loan applications again.
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