1, application conditions

1) are entirely civilian capacity, and legal residence status in Beijing and the Beijing permanent urban residents, the residents have the right of abode overseas, offshore, and foreign citizens.

2) a stable job and income

3) repayment of the loan principal capacity

4) acts loans approved for mortgage or pledge of assets, or the guarantor of its security compliance requirements.

5) The contract or agreement to purchase housing

6) loan applications, in line with the construction of not less than 30% of the necessary funds to purchase housing deposit, if advances for the purchase prices paid to the unit, would provide payment receipts and copies of the originals.

7) provided loans to other conditions.

2, processing

1) borrowers to apply and provide the following information : the borrower to the bank handling agency or with the Construction Bank of China has signed "cooperation agreements" developers Department in housing loans to individuals borrowing application forms and provide the following materials :

* I account this, the ID card or other valid residence documents;

* employment and income proof; * the purchase contract or letter of intent for Fangjiekuan ;

* relevant documentary proof of payment of 30% down payment;

* fitness banks handling agency for the other materials.

3, loan

1) borrowers in the loan period, are equivalent to the monthly repayment amount of principal and interest on bank loans also;

2) computer automatically retaining, or transferring or borrowers can choose to bank online bank loan repayment in two ways monthly repayment of principal and interest.

4, loan contract change or modify

1) loan contract requires changes must be approved by the lending agency, in consultation with the borrowers and related parties, and changes to the signing of contracts.

2) borrowers death, loss of civil capacity or declared missing, their property heirs, guardian or legatee continue to meet the borrower signed the loan contract, the signing of the new loan contract and should register.

3) borrowers repay all principal and interest for loans provided under the contract, collateral or return collateral or quality of material quality, loan contract terminated.

individual housing loans commissioned

1, Beijing housing fund management center individual housing loans secured by Beijing housing fund management center individual housing loans is secured by the Beijing housing fund management centres and sub-centres to use their housing reform funds Beijing Branch of the China Construction Bank to buy a home housing deposit and housing provident fund loans for retired workers.

1) Beijing housing fund management center individual housing loans secured the necessary materials

* I accounts, ID cards or other proof of residence effective;

* purchase contracts or letters of intent related documents;

* unit agreed to loan borrowers communications;

* borrowers in the Trustee (Construction Bank of China Beijing Branch handling agency) Department is not less than 20% of the total purchase price deposits proved that the or have to pay more than 20% of the original purchase receipts and advance copies;

* other materials for clients.

2) individual housing loans secured by the borrower's monthly repayment amount is not less than 15% of the family monthly income (including housing provident funds deposited by the individual components).

* matching repayment period of loans equivalent to the monthly repayment amount paid by the return of loan principal and interest.

* loan repayment period goes incremental, yearly incremental reimbursement by the same proportion, but each year the equivalent of the compensation has been paid to the amount of the loan principal and interest.

* borrower may repay the loan in full early repayment. Borrowers should be scheduled early repayment of a month ago, the written notice to the trustee of the notice has been issued, irrevocable.

* in the repayment period, the borrower not repay the loan contract between the time the principal and interest in receiving the reminder notices issued after the trustee must immediately pay the outstanding loan principal and fill Late impose a punitive interest. Late impose a punitive interest to overdue amount not base each late day, or collect statistics.

2, the central state organs individual housing loans secured by the central state organs individual housing loans are secured by means of central government organs housing finance management center of the housing accumulation fund, Beijing Branch of the China Construction Bank to buy a home in the central state organs in Beijing housing units and housing provident fund amounts remitted to the retired employees of the unit loan guarantees. Central state organs individual housing loans secured by handling (CPC organs individual housing loans secured by those whose conduct)

1) for central state organs individual housing loans secured by the borrower must provide the following materials :

* account of the borrower, or other valid identification cards and residence documents photocopies; * purchase contracts or letters of intent and other relevant documents ;

* borrowers unit housing fund management institutions to loan communications;

* buy new houses for the commercial housing units "Beijing home sales permits" copies; buy public houses by the regulatory body to provide superior housing reform "while programmes" replied paper copies;

* take mortgage or pledge of security, collateral or pledge from management authority proof;

* take that approach guarantees that a written security guarantee to all information and evidence to prove;

* borrowers in the Trustee Department is not less than 30% of the total purchase price deposits proved that the or have to pay 30% of the original purchase receipts and advance copies; * Trustee for the other materials.

2) for the central and state organs individual housing loans secured by the procedures

3) loan borrowers to repay loans taken monthly reimbursement will also approach; Also of interest to principal later, the monthly repayment amount is not less than 15% of household income. Monthly loan period will also mean equal monthly on the loan principal and interest payments in return.

4) loan interest rates in the housing provident fund in accordance with state regulations on the basis of interest rates, plus provisions fall.

5) loan contract to change or terminate contracts

* borrowing needs change must be approved by the trustor, trustee, and the borrower about the parties concerned agree, and change to the contract signed.

* borrower death, loss of civil capacity or declared missing, their property heirs, guardian or legatee continue to meet the borrower signed the loan contract, the signing of the new loan contract and should register.

* borrowers repay all principal and interest for loans provided under the contract, collateral or pledge collateral or returning from a qualitative, loan contract terminated.

3, organs directly under the CPC Central immediate individual housing loans secured by the security organs of individual housing loans is entrusted by the CPC Central Committee organs directly under the central management of housing finance housing provident fund Bank to purchase a home in the central departments of housing units in Beijing and housing provident fund amounts remitted to the retired employees of the unit loan guarantees.

individual housing loan portfolio

individual housing loan portfolio management refers to housing finance by the Beijing center (including sub-centres) or central state organs housing fund management center, the organs directly under the CPC Central Committee housing fund management center of the housing accumulation fund, Banks use credit funds to the same borrower at the same time issued for the purchase of a home with ordinary housing individual housing loans.

1, individual housing loan portfolio types

1) Beijing branch of China Construction Bank, Beijing housing fund management center individual housing loan portfolio (short-OK, downtown individual housing loan portfolio);

2) Beijing branch of China Construction Bank, the central state organs housing fund management center individual housing loan portfolio (short-OK, the State of the center individual housing loan portfolio);

3) Beijing branch of China Construction Bank, Central organs individual housing loan portfolio (short-OK, central departments individual housing loan portfolio).

2, portfolio loans application, handling, repayment requirements and procedures

1) applications see Beijing housing fund management center, the central state organs housing fund management center individual housing loan guarantees.

2) on the application of First Instance for clients of First Instance, provident fund and bank credit funds and determine the ratio of loans.

3) survey of First Instance qualified clients, the trustee of the loan investigation, and to make investigations. Findings reported to be entrusted with the banking side and the internal approval.

4) signed a loan contract clients and loans co-operate with the consent of the approval, the parties are borrowing Beijing housing fund management center signed individual housing loans secured by contracts and the Construction Bank of China Beijing Branch of individual housing loans loan contract.

5) borrowers are opening accounts and operating accounts policy.

6) for collateral, guarantees, pledges and insurance formalities (with the bank's version).

7) loan contract in force, funds credited developers account.

3, repayment

1) borrowers in the loan period equal to the monthly amount each month are also reimbursed housing fund management center and the principal and interest bank loans.

2) borrower may repay the loan in full early repayment, the loan interest not to take account of the adjustment.

3) in the repayment period, the borrower not repay the loan contract between the time the principal and interest, the loan shall be issued upon receipt of a notice of failure to pay the outstanding loan principal immediately and fill Late impose a punitive interest. Late impose a punitive interest to the late U.S. base, each overdue day, or collect statistics. China Construction Bank's individual housing loans Beijing branch of China Construction Bank's new measures on April 6 individual housing loans new initiatives.

1, expanding mortgage houses. Purchase of the borrower-occupied housing, no longer subject to price limitations may apply to the construction of the handling agency for processing.

2, expanding mortgage ratio. Where spring `99 Beijing residents purchase loans for the purchase display Fair site, personal loans, loans for house purchase, the ratio can be extended to 80%.

3, lower margin deposit amount. Residents purchase used throughout to ensure developers provide full guarantees, in full assurance of security at the original provisions of six months margin is reduced to three months with the loan repayment amount margin.

4, reduce lawyers (legalization) costs ratio reduced to 4% (the minimum amount 100). The Beijing branch of housing loans to individuals having repayment start operations to promote the development of individual housing loan business effectively simplify repayment procedures, and improving work efficiency, the introduction of the Beijing branch of the repayment of housing loans to individuals having operational. From July 8, the China Construction Bank's Beijing branch will be accepted by borrowers from the designated account of their individual housing loans because interest payments.

in China Construction Bank's Beijing branch has achieved individual housing loan customers only carry identity cards and the "loan contract" to run the networks for your loans, loan interest in repaid month after the signing of a "method of repayment orders," and the designation of a method for repayment of bank accounts (including the construction of the savings card accounts, the demand for savings accounts, credit cards built OK), the CCB will be the start of the Construction Bank in Beijing branch for individual housing loan business customers in a "loan contract" would be signed at the same time "method of repayment orders," to be built to handle having your repayment operations. The Construction Bank of China Beijing Branch launched its operations having repayment start of the individual housing loan business matching measures is to provide a relaxed bank loan convenient services.