Personal Loan Knowledge 2004-8-19 Source: Catalog: At present, commercial banks provide personal loan species personal loan objects and conditions for personal loans, personal loans, personal loans, quota, deadline and interest rate mortgage loans, six rooms The main banks that cannot be mortgage can be provided to individual banks in purchase mortgages, the main banks of all commercial banks are mainly provided by individual loans. Including: (1) personal housing commercial loan personal housing commercial loans, is the bank credit fund Self-interest loans, refers to natural people with complete civil capacity, and purchasing the city's urban self-occupied housing, with its purchase property housing as a housing commercial loan applied for the bank's guarantee of the loan. (2) Personal housing provident fund loan personal housing provident fund loans, is a commissioned loan issued by policy housing provident funds, which is the employee of household provident fund, and in the city's urban purchase, build, rebuilt, and inheritably housing housing. The owned property housing is an collateral, and the housing provident fund loan applied to the bank as a guarantee for repayment loans. (3) Personal Housing Combination Loan Where the borrower in compliance with personal housing commercial loan conditions is also deposited in the housing provident fund, while the personal housing commercial loan can also apply for personal housing provident fund loans to the bank, ie the borrower purchases the book. As a mortgage, the city's self-occupied housing can apply to the bank to apply for personal housing provident fund loans and personal housing commercial loans (this loan method referred to as personal housing combination loans). Second, personal car consumption loan three, personal durable consumer loan personal loan objects and conditions a loan object: 1. Chinese citizens with complete civil capacity and foreign countries have exported, foreign citizens; 2, the first phase of the hand Buying a house (not less than 30% of the total purchase of house); 3, there is a stable economic income, with the ability to repay the loan principal and interest; 4, agree to the purchase of houses as a loan. The two is also provided with the following conditions: 1. Hold a legal account book (unlimited city), ID card or business license, legal representative certificate or legal residence permit, passport, to purchase bank designated developers in this city; 2, At the bank open deposit, the deposit balance is not less than 30% of the proposed purchase of housing; 3, with effective purchase contract, agreement and other certificate documents; 4, agree to the housing property under the purchase contract; 5 All provisions of the loan contract; 6, other conditions specified by the bank. The three needles issued and provided: 1. Original and photocopy of the resident ID card; 2. Original and photocopy of the housing subscription; 3. Original and photocopy of the first period of room; : Personal and family income certificates, deposits (passbooks or other securities), etc.
Personal Loan Procedure 1, signing the Subscription: Customers sign a subscription book with a real estate development company signed with the bank, and pay the first purchase price to the real estate development company; 2. Apply for the application: the customer to the bank's entrusted law firm Mortgage application procedures, including personal information, payment, fill in legal documents; Fees; 4, other legal procedures: law firm agent insurance, notarized and collateral mortgage registration, filing; 5, loan distribution: Banks share loans to the developer account and inform customers to start the building. The repayment method of personal loans 1, according to the signed payment contract, the payment is divided into payment. Customers should take the initiative to pay their own loan principal and interest in their purchase savings accounts, and deduct the monthly repayment by the bank; 2. Prevent: Customer should advance one in advance The month will apply to the bank to exempt the loan interest in advance, but the interest rate is still performed in the same period of the original loan term. Personal loan amount, deadline and interest rate 1, the maximum amount of personal housing loan loan is 70% of the purchase of housing room; the loan period is not more than 30 years, generally 10-55 years; interest rates with loan period The length is different and is implemented according to the relevant provisions of the People's Bank of China. 2. The maximum limit of personal car consumption loan loans is 80% of the payment; the loan period is no more than five years; the loan interest rate is performed in accordance with the same loan interest rate regulated by the People's Bank. 3, personal durable consumer loan personal durable consumer goods refers to family durable goods in a single price of 3,000 yuan (including 3,000 yuan), normal service life in family durable goods, such as household appliances, computers, furniture, fitness equipment, sanitary cleansing, musical instruments, etc. (Do not include cars, houses); the loan period is generally 5 years, and interest rates are implemented according to the relevant regulations of the People's Bank according to the loan period. Mortgage loan fee 1, lawyer fee 2, notary fee 3, certificate storage fee 4, real estate mortgage registration / filing / logout fee. The specific cost can be consulted to local developers and law firm. Six homeowners cannot mortgage the Decision of the People's Bank of China, from January 1, 1998, cancel the restrictions on state-owned commercial bank loans, which greatly facilitates the bank to carry out building mortgage business. Therefore, after the decision is announced, the bank plan has recently opened a service specializing in second-hand buildings. Any property that purchases the relevant warrants can apply for a second-hand building mortgage. This will promote the second-hand property market, and can improve one hand The contracting force of the building. From this point of view, China's real estate mortgage loan service will become more common, and real estate mortgage is a strong behavior, which must be effective in compliance with many requirements and conditions. Therefore, when the public is in real estate mortgage, it is best to have some degree of understanding, and it can make the correct decisions to avoid unnecessary disputes and losses, thereby reducing risk and increasing protection.
