Industrial and Commercial Bank of China to individual housing mortgage loans

☆ Education

To individual housing mortgage loans, is already in the bank for individual housing loans of borrowers in the loan repayment period, due to the sale of housing purchase, gift, inheritance and other reasons, property and housing mortgage loans required to transfer to others, and the I Conduct its procedures for the transfer of loans to do business.

☆ Features

Quick and efficient transfer to meet your mortgage needs.

☆ conditions for application

Borrowers for the purchase or gift, the original borrower for refinancing the property, must have the following conditions:

1, the borrower must pay off the original maturity has not yet returned to the principal, interest and Faxi;

2, the original borrower to purchase housing with the legitimate rights of disposal, housing not set other rights;

3, due for re-sale housing, housing must be for existing homes, and property rights has been made in housing permits for housing as a gift, inheritance and other reasons for refinancing, purchased the property rights transfer must comply with the relevant provisions of the law.

☆ line of credit

Due to the sale of housing for refinancing, loans shall not exceed the maximum amount of housing prices or to assess the value (whichever is less) of 70 percent, maximum of not more than 50 percent because of the gift, inheritance and other reasons for applying for transfer By, according to the amount of loans shall not exceed the original loan balance.

☆ loan period

Individual housing loans to period and the age of 30 and not more than, personal loans to periods of not more than 10 years. At the same time generally does not exceed the age of 15.

☆ lending rate

Individual housing loans to the lowest interest rates by the People's Bank of corresponding grades of 0.9 times the benchmark rate of implementation of the interest rate fall; personal loan interest rates by refinancing rate for the implementation of People's Bank of China. Housing as a gift, inheritance and other reasons for refinancing the loan interest rate plus the original deadline for the actual loan refinancing loans for the corresponding grade of 0.9 times the benchmark rate of implementation of the interest rate fall.

☆ loan applications should be submitted to the information

You to the bank to apply for individual housing mortgage loans, the borrower should be shared and fill out the "China Industrial and Commercial Bank of individual housing mortgage loan approval to the table" of people died because of the original loan applications for refinancing, the borrower may be transferred to fill out separate Approval table; original borrower is otherwise unable to fill out the form, filled out by its agents took. At the same time need to provide the following information:

1, due to the sale of housing for refinancing, to provide "housing contract for the sale of" the age of five years (including) above and that the lender required the assessment, to be provided by the borrower by the lender approved the real estate valuation Housing agencies issued by the value of assessment reports;

2, due to re-apply for housing grants, contracts and to provide gift certificate and other relevant legal instruments;

3, due to re-apply for housing succession, the borrower must provide the original death certificate on the property and inheritance certificate;

4, the husband and wife divorce for other reasons, such as refinancing, the couple must provide proof of divorce and marital property division on the court judgement or a notarized agreement the division of property, of which the housing property rights must be made clear that the attribution;

5, to purchase housing mortgages, housing mortgages were subject to the transfer of consent issued by the transfer of documents;

6, the total housing property rights, property rights were subject to one issued by the Housing Authority agreed to the transfer of evidence;

7, the bank asked for other documents.