ICBC has a comprehensive consumer loan business of personal housing mortgage. The application conditions are as follows:
1. The age is between 25 and 60 (inclusive);
2. Regular employees who have a fixed work unit and have worked in this unit for more than one year.
3. Have a legal and valid identity certificate and a household registration certificate (or a valid residence certificate) of the place where the loan bank is located;
4. Have a good credit record and willingness to repay, without any illegal acts and bad records;
5. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
6. It has a clear loan purpose and can provide effective real estate mortgage;
7. Tips for opening a settlement account in ICBC: As there may be differences in different regions, please contact the loan bank for confirmation before handling the specific requirements. (Answer time: 2065438+June 2009 14. In case of business changes, please refer to the actual situation. )
Two. ICBC Housing Mortgage Loan Process
ICBC's real estate mortgage loan process is mainly divided into the following links: first, the applicant needs to apply for a loan to the credit department of ICBC, and then attach his own mortgaged real estate license information and owner identity information, that is, only the owner himself can mortgage the real estate. In the second audit, when the ICBC Credit Center receives the lender's loan application request, the lender will evaluate the mortgage information materials and the lender's identity information materials, and evaluate the real estate output value and the lender's credit rating. The third is approval. When there is no problem in evaluating and reviewing the applicant's loan application materials, the loan amount can be issued to the applicant himself according to the audit results.
Third, how to handle ICBC?
First of all, let's take a look at the people who adapt to ICBC's mortgage business:
The borrower of personal housing mortgage loan should be a natural person with full civil capacity, aged between 18 and 65 (inclusive), with good credit record and repayment willingness, and can provide effective staged guarantee.
Then, if the lender wants to apply for ICBC's personal housing mortgage loan, it needs to meet the following conditions:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation. If the loan is used to buy a house, they must also comply with the relevant policies for foreigners to buy a house in China;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;
6. Can provide legal, effective and reliable house mortgage recognized by the bank;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by the bank.
Loan amount: The maximum loan amount can reach 70% of the mortgaged property value.
Term of loan: the longest loan shall not exceed 20 years, of which the longest loan shall not exceed 10 year, unless the loan is used for house purchase; The sum of the borrower's age and the loan term shall not exceed 65 years.
Loan interest rate: the interest rate of personal housing mortgage loan is calculated according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, which can fluctuate according to the regulations;
If the loan term is less than 1 year (inclusive), it shall be calculated at the contract interest rate; If the loan term exceeds 1 year, if the interest rate of the People's Bank of China is adjusted, it will be adjusted according to the adjustment time agreed in the contract.
Repayment method:
Individual housing mortgage loans can be repaid by monthly matching principal and interest, monthly average principal and interest, weekly principal and interest (biweekly and biweekly) and "free repayment";
If the loan term is within 1 year (inclusive), the repayment method of repayment of principal and interest by installments (monthly interest, quarterly interest, semi-annual interest, annual interest) and monthly interest and one-time interest at maturity can be adopted.
"What are the procedures for housing mortgage loan?" "Personal housing mortgage loan process?" Many lenders have such questions. Take a look at the following mortgage process to make your loan more convenient.
1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. The loan granted with the approval of the bank, after completing all formalities, will be directly allocated by the bank to the borrower's transaction object or issued to the borrower according to the contract, and the borrower will pay it to its transaction object;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date.
5. loan settlement. Loan settlement includes normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate. Sincerely answer for you, give a good comment, dear, thank you.
4. How about ICBC mortgage loan?
Application conditions:
1. Natural person with full capacity for civil conduct, age 18 (between;
2. Have a valid ID card (or other valid identification) and proof of marital status;
3. Have good information records and willingness to repay;
4. Have the ability to stabilize the principal and interest of income;
5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;
6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract and have paid a down payment of not less than 30% of the total price of the purchased house; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. There is an effective guarantee recognized by the lender;
9. According to the regulations of ICBC.
Loan requirement information:
I. Identification certificate (both husband and wife);
Second, the marriage certificate;
4. Proof of income and bank flow in the last six months; (or other proof of assets)
5. Real estate license; (or copy)
6. Proof of loan use;
Seven, the payee's ID card
8. The latest real estate utility bill.