Individual housing loans on individual housing loans mean the lender to a borrower for the purchase of housing and urban residents repair their own use, built-occupied housing (excluding export Housing) loan. Lenders extended housing loans to individuals, the borrower must provide guarantees. Borrowers due to the repayment of principal and interest for loans, lenders have the right to deal with their collateral or qualitative material, or by the guarantor to repay debt associated responsibilities.
(1) is a basic condition for the borrower to the full civil capacity of natural persons, and have the following conditions :
1, a town resident accounts or valid residency;
2, a stable job and income, good credit, loan servicing capacity;
3, a housing contract or purchase agreement;
4, to meet the full purchase price of not less than 20% of the initial payment;
5, agreed to purchase housing as collateral, or provide insurance firms recognised assets as collateral or pledge, or adequate compensation to the unit or individual capacity as a loan guarantor of the loans and assume joint responsibility.
(2) the duration of the loan and interest rates
1, loan period may be based on the actual situation rationally determined, but shall not exceed 30 years;
2, lending rates by the People's Bank of the interest rate policy regulations.
borrowers should provide information
1, borrowing applications;
2, both signed by the "purchase contract";
3, commercial housing purchased the original title proved (including the "property of" and there are those who agreed to sell the paper, etc.). If prices artificially corporate enterprises, the need to provide effective "ope......浏览全文
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