1. Guarantee requirements for the corresponding amount of new housing loans:
(1) The first housing loan applied by the borrower is a first-hand housing loan, and the precondition for lending is in accordance with the relevant provisions of the Operating Measures for Personal First-hand Housing Loan Business of Bank of China.
(2) The first housing loan applied by the borrower is a second-hand house, and the precondition for lending is in accordance with the relevant provisions of the Operating Measures for Personal Second-hand Housing Loan Business of Bank of China.
2, the bank stock housing loans corresponding to the guarantee amount requirements:
Under the premise of effective guarantee, the existing housing loan is regarded as the first loan within the quota, and the mortgage registration formalities under the maximum quota are re-handled. If the maximum mortgage has been handled, there is no need to handle the relevant mortgage procedures again.
3. Requirements for the execution of the guarantee for the corresponding amount of interbank mortgage loans with the same name:
After the implementation of the original housing loan mortgage, the first housing loan will be issued to repay other bank loans under the premise of providing the guarantee company's period guarantee or other effective guarantees, and the original mortgage will be revoked and the mortgage registration formalities under the maximum amount will be re-handled. If the borrower repays the loan from other banks by self-financing, the mortgage registration formalities under the maximum amount shall be handled directly.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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