Individual purchase mortgage loans operational procedures

Individual purchase of houses mortgage loan processing and review process, including property development loans of two parts

First, the event review

In the borrower to apply before the credit cooperatives (the Department) needs to be provided to individual home loans in the event of a review, to review operational procedures for the event: the project developer for → survey → review and approval → project cooperation agreement signed after the loan-to-→ Supervision.

Real estate companies to apply for credit cooperatives (the Department) requires real estate company (hereinafter referred to as "developers") submitted the following information:

1, a written application;

2, company information, including business licenses, tax registration certificates, legal code permits, the statutes, card loans, accounts, company profiles, legal representative or authorized agent certificates, shareholders will resolution;

3, project information, including real estate development enterprise class quality permits, building permits for the planning, construction planning permits, building construction permits, the state-owned land use certificates, works over the budget, housing pre-sale permits.

4, rural credit cooperatives that need to provide other information.

The main content of the project is investigating the legality of procedures, the availability of project funding, the project's basic situation, market prospects and efficiency of the situation. The project site investigation, verification, the project survey after survey report writing, will investigate the situation sector pay review, approval and after the developers agreed to sign a "personal consumption loans purchase agreement."

Second, the operational procedures for issuing loans

Specific processes: the borrower before the loan application → survey → review and approval → → signed loan contracts for insurance, notarization, security and other procedures for issuing loans → → data archiving → Post-lending Management → loan-repayment → households dismantling charge.

(A) loan applications

Individual borrowers for home loans, by the need to purchase existing homes or multi-storey structure of the main cap, the senior completed a total investment of more than two thirds of Qifang. Borrowers need to fill out individual forms and purchase loans to provide the following information:

1, the borrower identity documents (identity card, residence booklet or other valid residency documents);

2, proof of marital status (married to provide a marriage certificate or marriage registration office certificate issued by the husband-wife relationship, the provision of unmarried single certificate);

3, the price of not less than 30 percent of the first payment proof of payment, but the purchase of the first set of owner-occupied housing and construction area of 90 square meters below the enforceability of the first payment not less than 20% of the purchase Commercial facade of the first payment shall not be less than 40 percent.

4, and real estate departments in charge of printing the reunification, have the force of law a contract for the sale of commercial housing;

5, a total of the right to consent to the purchase of housing as collateral evidence;

6, the borrower family property and income proof, if family members are co-borrowers repay, then the parties to enter into joint responsibility for repayment confirmation, clearly unable to repay the loan in one of the cases, the other side also will continue to bear Of the responsibility.

(B) receive and to investigate

As the credit department received information on the authenticity of their information, borrowers ability to repay the loan principal and interest to investigate, identify and loan-to-no loans, the loan amount and duration, the main contents of the survey include:

1, the first payment is deposited in full and open credit cooperatives in the Shoufang special accounts;

2, housing prices are reasonable, and the local market prices of similar properties in whether he is;

3, the borrower and the borrower's age is more than 60 years of age;

4, full collateral is effective, whether the issue agree that there are legitimate security instrument, if necessary, require the borrower to provide property assessment report and of his rights certificate.

(C) loan review and approval

Shendai key departments to review: 1, the authenticity of purchase, borrowers and developers to prevent collusive fraud bank loans, 2, purchased with local housing prices of similar properties in the market price is a considerable, if necessary, could be entrusted with the real estate assessment Annotations to qualified institutional assessment of 3, a total of whether the issue agree that the legitimate security written comments, 4, the borrower's ability to repay the loan principal and interest;

Shendai sector review, the proposed loan amount and duration, and borrowers, developers sign a "personal house purchase loan contracts," reported the power to direct approval examination and approval. Signed loan contracts, would take the initiative to the borrower, the guarantor on the terms of the contract.

In the borrower within the insurance, notary and mortgage pre-registration procedure, before issuing loans. Loans, filled out by the Xindai Yuan IOU, the borrower signature or fingerprint finds that the borrower signed at the same time, "designated charge of the power of attorney" and credit cooperatives will be made directly assigned to developers of open credit cooperatives in the Shoufang Households, notify the borrower loans have been issued, developers produce proof of receivables.

Finance departments in issuing loans should be after 10 working days to complete data archiving.