1, according to business
Individual housing refinancing operations means that the individual housing loan repayment period, as a result of the sale of mortgage borrowers of housing, agricultural banks to purchase the new grant, as collateral for its purchase of housing loans.
Upon refinancing operations, the Agricultural Bank may be the remaining loan balance of loans and the remaining loan period will be transferred to new borrowers; may, under the new borrowers and to assess the purchase price of housing to re-establish a new line of credit and loan period, to By the maximum loan amount for the purchase price of housing to assess 70 per cent of loans for up to a maximum of 30 years has been in use for less housing.
Refinancing operation: the original borrower to re-apply for re-signing of the agreement → → new loan applications by borrowers → → property assessment of the new bank borrower to investigate and review → with the new borrowers signed loan contracts for insurance → , The transfer of property rights registration and change mortgage loans → → recover the original loan borrowers → data archiving → new borrowers repaid → Post-lending Management →-encumbered households dismantling
2, and by business
Housing and personal loans means that the housing mortgage loans during the period, the Agricultural Bank loans extended to borrowers a business.
Increase the duration of the calculation: the original loan period with the period can not increase by more than 30 years.
And by the conditions:
(1) the borrower must have been continuous contributions for more than one year (excluding 1);
(2) secured in the interim period, the borrower increases the need for business to be with the consent of the guarantor's consent.
Increase the lending rate: The original loan period with the increase in the rate of the period to reach a new level, plus the period from the date of the new grade in the rate of implementation.
Operational processes: the borrower to increase the application → banks to borrow an investigation and review → → agreement signed by Canada Mortgage Registration → change for borrowers in accordance with the agreement and the debt service
3, the reduced business
Reduced business means the Agricultural Bank has granted individual housing loans, loans not yet due for repayment but also normal for the borrower to shorten the loan period, the early repayment of part or all of the remaining loan principal business.
Reduced business include:
(1) early settlement of all remaining loan principal business;
(2) early repayment of the remaining loan principal, the loan period unchanged, also reduce the amount of each phase of operations;
(3) early repayment of the remaining loan principal, each the same amount, shorten the duration of business loans;
(4) early repayment of the remaining loan principal to shorten the duration of loans and the amount of business each phase of adjustment;
(5) to maintain unchanged the remaining loan principal to shorten the duration of business loans.
Operational procedures:
Borrowers to apply for the reduced → → bank approval for the reduced business → borrower repayment in accordance with the new payment plan
Individual housing refinancing operations means that the individual housing loan repayment period, as a result of the sale of mortgage borrowers of housing, agricultural banks to purchase the new grant, as collateral for its purchase of housing loans.
Upon refinancing operations, the Agricultural Bank may be the remaining loan balance of loans and the remaining loan period will be transferred to new borrowers; may, under the new borrowers and to assess the purchase price of housing to re-establish a new line of credit and loan period, to By the maximum loan amount for the purchase price of housing to assess 70 per cent of loans for up to a maximum of 30 years has been in use for less housing.
Refinancing operation: the original borrower to re-apply for re-signing of the agreement → → new loan applications by borrowers → → property assessment of the new bank borrower to investigate and review → with the new borrowers signed loan contracts for insurance → , The transfer of property rights registration and change mortgage loans → → recover the original loan borrowers → data archiving → new borrowers repaid → Post-lending Management →-encumbered households dismantling
2, and by business
Housing and personal loans means that the housing mortgage loans during the period, the Agricultural Bank loans extended to borrowers a business.
Increase the duration of the calculation: the original loan period with the period can not increase by more than 30 years.
And by the conditions:
(1) the borrower must have been continuous contributions for more than one year (excluding 1);
(2) secured in the interim period, the borrower increases the need for business to be with the consent of the guarantor's consent.
Increase the lending rate: The original loan period with the increase in the rate of the period to reach a new level, plus the period from the date of the new grade in the rate of implementation.
Operational processes: the borrower to increase the application → banks to borrow an investigation and review → → agreement signed by Canada Mortgage Registration → change for borrowers in accordance with the agreement and the debt service
3, the reduced business
Reduced business means the Agricultural Bank has granted individual housing loans, loans not yet due for repayment but also normal for the borrower to shorten the loan period, the early repayment of part or all of the remaining loan principal business.
Reduced business include:
(1) early settlement of all remaining loan principal business;
(2) early repayment of the remaining loan principal, the loan period unchanged, also reduce the amount of each phase of operations;
(3) early repayment of the remaining loan principal, each the same amount, shorten the duration of business loans;
(4) early repayment of the remaining loan principal to shorten the duration of loans and the amount of business each phase of adjustment;
(5) to maintain unchanged the remaining loan principal to shorten the duration of business loans.
Operational procedures:
Borrowers to apply for the reduced → → bank approval for the reduced business → borrower repayment in accordance with the new payment plan
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