Of course, the bank will definitely call me when the loan is reviewed, which belongs to telephone verification.
Procedures and steps of personal housing commercial loan Basic conditions of commercial housing mortgage loan:
1. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2.2 The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation;
3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;
4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house;
5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan mortgage, and re-apply for mortgage registration after the purchased housing is completed and the property certificate is obtained;
The information to be provided is as follows:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);
2. The commercial housing sales contract signed by the purchaser and the company;
3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price;
4. Proof of income of the purchaser (provided by the bank and placed in the sales office);
5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;
6. The developer's collection account number 1 copy.
Nanjing Bank is a joint-stock commercial bank composed of state-owned shares, Chinese legal person shares, foreign shares and numerous individual shares. Founded on February 8, 1996, with its headquarters in Nanjing. Mainly engaged in SME finance and retail business. It was selected into the list of global 1000 big banks and the list of the top 500 global banking brands published by the British "Banker" magazine. 200211On October 29th, the third quarterly report of Nanjing Bank showed that by the end of September, the total assets of Nanjing Bank were17093.1700 million yuan, an increase of12.67 over the end of last year. From June 5438 to September, the operating income of Nanjing Bank was 30.302 billion yuan, a year-on-year increase of 20.99%. The net profit attributable to shareholders of the parent company was 65.438+02.344 billion yuan, a year-on-year increase of 22.36%.
Nanjing second-hand housing loan policy 202 1
There is no house, no loan and no loan record, which means a down payment of 30%; You had a loan before, and you have paid it off. There is a suite under your name, with a down payment of at least 50%; 3. I had a loan before and didn't pay it back. I have a suite in my name, and the down payment is at least 80%. 3. There is a suite with no loan record. The down payment for the second suite is at least 50%. Loan interest rate, etc. This has something to do with your loan bank. The loan interest rate for the first suite of new houses is LPR80 basis points, and the interest rate for the second suite is LPR 105 basis points. According to the latest LPR of 4.65%, the interest rate for the first suite is 5.55%, and the interest rate for the second suite is 5.8%. Of course, interest rates change in real time, which is related to the current situation of banks.
First, the second-hand housing loan refers to the loan business in which the buyer uses the house traded in the second-hand housing market as collateral to apply for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
Three, generally within twenty years, and the maturity date of the loan in principle can not exceed the borrower's 65 years old. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
4. Completion time of the house and loan amount: 80% of the highest loanable appraisal price of the commercial house with the completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank).
Verb (abbreviation of verb) If the borrower's income certificate is insufficient, it is necessary to provide the borrower's income certificate. The unit name on the income certificate must be the same as that on the application form. The address of this city must be filled in the current address column of the Application Approval Form; If * * * is the same as the borrower, two people are required to sign the application form and a corresponding statement is required. When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate. Supplementary clauses of the loan contract: If the relevant statements and materials provided by the borrower are false, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: affix the company seal and the legal person seal to the house transaction confirmation and agreement; Personal second-hand housing loan down payment certificate; It needs to be stamped with the company seal and signed by the witness. _ Confirmation of mortgage transfer after second-hand housing loan; Stamp with official seal. Fill in the information and send it to the pre-trial.
What is the mortgage interest rate of Nanjing apartment building?
You ask: "What is the mortgage interest rate for apartment and office loans in Nanjing?" The mortgage interest rate of each bank is different, depending on the loan situation.
1. Bank of China: According to the loan term, the People's Bank of China approved and implemented the published interest rate for the published commodities of corresponding grades. The loan interest rate is 4.60% within 6 months (including 6 months), and 4.60% of the house price is paid from 6 months to 1 year (including 1 year), and 1 to 3 years (including 3 years). 50% of the loan term is 3-5 years (including 5 years), and 5. 15% of the loan term is more than 5 years.
2. ICBC: the benchmark interest rate is raised 10%. The purchase price within 6 months (including 6 months) is 4.86%, the purchase price is 6 months to _5.3 1% year (including 1 year), and the payment period is 1 to 3 years (including 3 years). 4%. The loan for 3-5 years (including 5 years) is 5.76%, and the annual interest rate for loans with a term exceeding 5 years is 5.94%.
3. Agricultural Bank of China: The benchmark interest rate is raised by 5% to 20%. The payment within 6 months (including 6 months) is 4.35%, the loan from 6 months to _ _ _ years (including 1 year) is 4.35%, the loan from 1 to 3 years (including 3 years) is 4.5%, and the loan term of 4.75% is 3-5 years (including 5 years).
4. China Construction Bank: Interest rate benchmark rises by 20%.
Loans within six months (including six months) are 6. 1%, loans from six months to one year (including 1 year) are 6.56%, loans from one to three years (including three years) are 6.65%, loans from three to five years (including five years) are 6.9%, and the annual interest rate of loans over five years is 7.05%.
How much is Nanjing real estate mortgage interest rates?
Hello, at present, the benchmark interest rate of bank mortgage is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), 4.75% for 1-3 years (including 3 years) and 4.75% for 3-5 years (including 3 years).
Can I change my housing loan into a bank?
Can I change my housing loan into a bank?
1. Because the real estate mortgage loan is registered in the real estate trading center, according to the guarantee law, the debt cannot be transferred. Therefore, the landlord wants to change the bank loan. Only after the loan of China Bank is paid off and the mortgage registration of China Bank is cancelled can he borrow from other banks.
2. According to my practical experience, it is impossible to transfer to provident fund loans. Banks are not allowed to do this now. Those who can operate can also apply for provident fund loans after paying off the original commercial loans.
3. It is suggested that the landlord make full use of online banking. China Merchants Bank, for example, transfers every 2 yuan money through online banking in the same city. It is more convenient for you to spend 2 yuan a month to transfer money through online banking than for you to travel all the way to China Bank.
Supplement:
The landlord misunderstood me. What I mean is that you use other banks, such as China Merchants Bank, to transfer money to the bank card of China Bank, so you don't have to go to China Bank all the time.
China Bank's bank card can now apply for online banking for free, and get a dynamic password (free), so that China Bank can check whether the account has been received online, and it can be done without leaving home.
Can the way of mortgage loan be changed?
A principal and interest repayment method VS principal repayment method Friendly reminder: The difference between principal repayment method and principal repayment method is closely related to repayment time and loan amount. People who want to borrow money to buy a house can choose the repayment method according to the corresponding formula. B repaying the loan in advance: it is still the "principal method" to save money. Some citizens may repay their loans in advance after buying a house. So, in this case, which repayment method saves money? The specific situation, the public can still apply the corresponding formula to calculate. Here, the loan is still 300,000 yuan, with a term of 20 years and a monthly interest rate of 4.2‰. It can be calculated that the principal repayment method is still less interest. If five years later, the citizens pay off the loan in advance in one lump sum, according to the principal and interest repayment method, within five years, the principal has been repaid by 49,457 yuan and the interest is 69,733 yuan, and the remaining principal needs to be paid off in one lump sum. According to the principal repayment method, in five years, the principal has been repaid 75,000 yuan, the interest has been repaid 66,308 yuan, and the repayment of 225,000 yuan is enough. Compared with the two repayment methods, the principal repayment method pays 3425 yuan less interest than the principal and interest repayment method. Bank C: The contract cannot be changed. Since the difference between the average capital repayment method and the matching principal and interest repayment method is so large, can the principal and interest repayment method be changed to the principal repayment method? Yesterday, the reporter interviewed the Industrial and Commercial Bank of China, the largest individual commercial housing loan. A staff member surnamed Chen from the business operation department of the Gulou Sub-branch of the Industrial and Commercial Bank of China, which was the first in Nanjing to engage in personal housing loans, said that since 1995 engaged in personal housing mortgage loans, ICBC Gulou Sub-branch has been using the repayment method of equal principal and interest, which is convenient and concise. Not only banks recommend this method, but also buyers agree with it. As for whether the principal and interest repayment method can be changed into the principal repayment method, so far, banks have not encountered such a thing; I happened to meet it, because the property buyers and banks have signed a loan contract, which has come into effect and is definitely irrevocable. The statements of other banks are basically the same as those of ICBC Gulou Sub-branch, that is, the contract has come into effect and cannot be changed. Lawyer D: Banks have the obligation to inform. At the same time, many citizens require that their mortgages be handled by real estate companies. They only signed a letter and had no idea that there were two repayment methods. In this case, what kind of responsibility should the real estate company bear? In this regard, Zhu Xiaofeng, a lawyer of Nanjing Tongda Law Firm, believes that when buyers need commercial loans from developers, they will borrow from banks through developers, and developers will play a bridge role in the relationship between buyers and banks. As a developer, although it is not the main body of the loan, it does not assume corresponding responsibilities and obligations for the loan contract. However, when communicating with buyers and banks, developers should make it clear to buyers that there are two repayment methods for commercial repayment. In the loan contract signed between the bank and the buyers, it is clearly stipulated that it is obliged to inform the buyers of the advantages and disadvantages of the two repayment methods. In the actual lending relationship, the bank violated this obligation to inform, but at present, the relevant laws in China do not clearly stipulate what responsibilities the bank should bear for violating this obligation, and how the buyer should safeguard his legitimate interests, unless the buyer writes relevant agreements in the contract terms. At the same time, in the house purchase loan contract, if there is a major misunderstanding or obvious obviously unfair, the buyer can ask the bank to cancel or change the relevant terms according to the contract law, that is, change the repayment method.
Can I change my housing loan to a loan bank?
Yes, but you must meet some conditions.
(1) Borrowers who have urban hukou (including blue-printed hukou or temporary residence permit), pay housing provident fund normally, have full capacity for civil conduct, have good personal credit, have a stable job and income, have applied for commercial housing loans and repay the loan principal and interest on time can apply for converting commercial loans into provident fund loans.
(2) Employees who have applied for housing portfolio loans and have withdrawn housing provident fund at the time of purchase will no longer apply for transfer to provident fund loans.
(3) The original commercial loans must be handled at the provident fund loan bank outlets entrusted by the municipal housing reform fund center, and the housing commercial loans entrusted by non-provident fund loans to individuals cannot be converted into provident fund loans.
2. Loan conditions
(1) The borrower of the transferred provident fund loan and the original commercial loan must be the same person;
(2) The original commercial loan has been repaid normally for more than 1 year, and there is no record of overdue repayment provided by the lending bank;
(3) If the housing provident fund is withdrawn due to the purchase of housing, the housing provident fund shall be continuously and normally paid 1 year or more from the date of withdrawal;
(4) the transfer of provident fund loans must obtain the consent of the original commercial loan bank;
(5) The house that has been transferred to the provident fund loan must be a residential development project registered in the municipal housing reform fund center. If the house ownership certificate and the state-owned land use right certificate are not handled, the developer shall provide installment guarantee or proof of commercial housing ownership;
(6) Agree to provide guarantee by a guarantee company recognized by the Municipal Capital Center.
3 loan amount, term and interest rate
Transfer procedures of provident fund loans
(1) Consulting application. The reloaning applicant negotiates with the original commercial loan bank and obtains the Application Form for Reloaning Provident Fund. After completing the form, attach the following relevant materials to the original commercial loan bank:
(1) the provident fund loan transfer application form, housing provident fund deposit certificate or Wuhan housing provident fund household registration book, proof of economic income of both husband and wife;
(2) The original and photocopy of the ID card, household registration book and marital status certificate of both husband and wife (if unmarried, unmarried certificate is required);
③ The normal repayment record of commercial loans provided by the original commercial loan bank and the proof of the remaining loan amount (provided by the bank);
(4) The original commercial housing sales contract with the original commercial loan, the loan contract and mortgage contract signed with the original commercial loan bank.
(2) Data submission for review. The lending bank shall review all the information of the sub-lending borrower and report it to the municipal capital center for approval.
(3) sign a contract. After the approval of the municipal capital center, the loan bank and the loan borrower sign the provident fund loan contract and mortgage contract, and the loan borrower signs the guarantee contract with the guarantee company.
(4) advance deposit of funds. Before the issuance of the provident fund loan, the sub-loan borrower will deposit the difference between the provident fund loan and the original commercial loan into the deposit account of the original commercial loan bank with its own funds to settle the loan.
(5) change insurance. Re-loan borrowers with the original commercial loan insurance policy to the insurance company to change home insurance procedures, insurance beneficiaries from the original loan bank to the city capital center.
(6) allocation of funds. The municipal capital center allocates loan funds, and the loan bank notifies the loan borrower at the same time as issuing provident fund loans and settling the original commercial loans.
(7) Monthly repayment. The reloan borrower shall repay the loan on time every month from the month following the settlement of the original commercial loan until the loan is fully paid off.
(8) Settlement of loan: When the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter.
(9) Mortgage cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the mortgage settlement certificate, cancellation certificate, original house purchase contract or real estate license and personal ID card issued by the loan bank.
The housing loan contract has been completed. Can I change banks?
It will take a year.
How to change the personal housing loan bank?
This requires you to negotiate with the developer first. The bank loan must be signed with the developer, and the mortgage can only be applied if there is a cooperation agreement. If the developer only has an agreement with one bank, then you can only apply for a loan in this bank, but the general developer will find two or more banks to cooperate, unless it is a small apartment, it is recommended to confirm with the developer again.
If you change the loan bank running procedures yourself, it will be very troublesome, generally not! Need the cooperation of developers!
How to change the personal housing loan bank
Hello, first of all, you have to apply for a loan from a new bank card. After approval, you should go through the loan formalities at the original loan bank and hand it over to the new bank.
Can I change banks if the housing loan has not been approved?
If it is a mortgage loan, I'm afraid I can't change banks, because for a residential project, the developer only corresponds to one bank. You cannot bypass the bank designated by the developer and contact other banks. So your idea may not come true. But you can try to talk to the developer and see if there are other solutions.
Can the mortgage be transferred?
You can't change it
The best solution now is for you to negotiate with him and ask him to give you money and leave the house. This is the simplest procedure.
If you want that house, the procedure is as follows.
1, pay off the loan first,
2. Buy in your name.
Look at the two simple steps I wrote. It's really hard to do.
Can the main lender of mortgage be changed?
It is basically impossible, because at that time, when financial institutions reviewed the loan materials of the main lender, they had already considered the income and repayment ability of * * * with the repayment provided by the main lender. But obviously, their review of the main lender was strict, and they chose to issue loans only after integrating the comprehensive conditions and repayment situation of the main lender and * * *, so once they need to repay, they will change to a * * * financial institution. Moreover, for financial institutions, Financial institutions will not agree to such a thing. If you apply for a name change before the loan is issued, that is optional.
Can I change to another bank loan after the bank loan is approved?
After the bank loan is approved, it can be exchanged for other bank loans:
If the loan is signed, but no loan is made, it will be regarded as early repayment, and the liquidated damages will be paid according to the contract.
(1) Incorporate the default record into the personal credit record;
(2) The expenses incurred at the initial stage of the loan will not be refunded or supplemented;
(3) The bank shall be informed of the reasons for not accepting the loan;
(4) signing an early repayment contract with the bank;
⑤ Pay a certain penalty;
⑥ It has a certain impact on future loan applications.
The loan was approved and I don't want to use the money. If I can cancel the loan before signing the contract, it will be regarded as giving up the loan automatically.
① No need to bear liquidated damages;
(2) Pretreatment fee is not refundable;
(3) affect the future application for bank loans; (4) It is recommended to notify the bank in advance and explain the reasons for not using the loan.