1. Title:
(1) title. Write "legal opinion" in the middle.
(2) Name of the consulting unit.
(3) related matters.
2. Text:
(1) Policy and legal basis for issuing legal opinions.
(2) Specific legal opinions, relevant matters to be clarified and feasibility analysis.
(three) to analyze and explain the relevant matters of the consultation of the parties.
3. Tail: the names of lawyers and law firms and the time when they put forward their opinions.
Second, the format:
legal advice
Name of consulting (or entrusting) unit:
Advisory (or entrusted) matters:
Basis for issuing legal opinions:
Lawyer's analysis of this matter:
Lawyer's handling opinions on this matter:
The lawyer's opinions on related matters are attached:
lawyer
lawyer
legal advice
To: XX Sub-branch of China Construction Bank.
As the legal affairs undertaker of personal housing loan business entrusted by XX Branch of China Construction Bank, XX Law Firm appointed lawyers Wang XX and Qiu XX to review the loan application materials provided by Mr. A, and issued this legal opinion according to the relevant laws and regulations of the state and XX City.
I. Mr. A, the loan applicant, buys a house with a construction area of ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
Two. The main basis for issuing this legal opinion:
(1) People's Republic of China (PRC) contract law
(2) Securities Law of People's Republic of China (PRC)
(3) Disputes over loan contracts
(4) Measures of China People's Bank for the Administration of Individual Housing Loans.
(5) Detailed Rules for Housing Guarantee of Beijing Branch of China Construction Bank.
(6) Measures of Beijing Municipality on the Administration of Real Estate Mortgage
(7) Interim Measures for the Administration of Commercial Housing Sales Price in Beijing.
(eight) the normative opinions of law firms and notary offices on undertaking legal affairs of personal housing loan business.
(9) The entrustment agreement signed by Beijing Branch of China Construction Bank and Beijing Notary Office.
(X) Housing Loan Cooperation Agreement signed by China Construction Bank Beijing Branch and real estate developers.
(eleven) other relevant laws, regulations and rules of the state and Beijing.
3. According to the credit documents (including photocopies) mentioned in Article 1 of this legal opinion and the provisions of relevant laws, regulations, rules and agreements mentioned in Article 2, and according to our conversation with Mr. A, we confirm the following facts:
(1) Loan applicant A (born in. }
(2) Mr. A, the borrower, has the necessary repayment ability. Mr. A, the loan applicant, has worked as the manager of XX Company since1September. Its average monthly income after tax1.9×××× years is RMB ××××; The average monthly income after tax from ××× years to ××× months is ×× yuan. The loan applicant now holds shares in XXX company. The company was incorporated in19×××, with a registered capital of ××× 10,000 yuan.
(3) The intention of the loan applicant is true.
1. The loan applicant fills in the Application Form for Individual Housing Loan; Apply for a 20-year personal housing loan of RMB ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
2. During the loan period, the applicant voluntarily chose the "developer guarantee" to apply for a loan, and was willing to use the house he bought in XX Garden as collateral, and signed the Letter of Commitment, the Power of Attorney for House Pre-sale Registration, the Power of Attorney for Mortgage Registration and the Application Form for Personal Housing Loan filled out by the applicant during the loan period.
3. The collateral insurance complies with the provisions of the Detailed Rules for Personal Housing Guarantee of China Construction Bank Beijing Branch.
Based on the above facts, we believe that the information provided by Mr. A in the loan is true and complete, which basically meets the conditions of personal housing loan of China Construction Bank ×× Branch, and has gone through the preliminary loan application procedures, and is qualified to sign a personal housing loan contract.
This legal opinion is only used for the borrower Mr. A to apply for personal housing mortgage loan from your bank, and your bank will handle the mortgage loan application.
The text of this legal opinion is three pages, and its annexes are an integral part of this legal opinion. Copies of relevant legal documents are the same as the originals.
Lawyer Wang Xx
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