individual housing mortgage loans is applicable to urban residents to purchase special housing loans.

1, loan conditions and loan applicants are required to have a full civil capacity for natural and at the same time with the following conditions :

(1) a Beijing resident accounts or valid residency;

(2) a stable job and income;

(3) good credit, repayment of the loan principal capacity;

(4) bank guarantees accepted;

(5) has been purchased with the sale of housing units signed a contract or purchase of houses;

(6) has had in my line of developers paid or deposited in the first paragraph;

(7) other provisions of banking conditions.

2, loan interest rates loan interest rates in accordance with the relevant provisions of the People's Bank loan period, the People's Bank adjustment lending rates, individual housing loans loan rates adjusted accordingly, the borrower's monthly repayment amount will change accordingly.

3, loan percentage and duration of the loan period up to 30 years. Not more than the maximum number of loans into the house, 8%. I am OK with the developer to specific development agreement shall prevail.

4, loan procedures

(1) First you need and the real estate developers signed the "Letter of Intent" or a "real estate contract," and to receive loan applications in the Office developers and borrowing notes;

(2) you need to CITIC Industrial Bank businesses opened demand deposits account in the initial purchase, or to pay the purchase of the first phase, developers;

(3) Please fill out loan application forms as required. According to the bank with instructions to the application form submitted materials firm, and law firms pre-signed loan contracts, mortgage contracts and other legal documents;

(4) law firms submitted materials for your review and your credit investigation. Law firms to provide legal representation Bank; (5) Bank review, the results of the review to inform loan applicants;

(6) for insurance, mortgages registration procedures;

(7) I will allocate loans directly to the developers in my opening line dedicated accounts;

(8) Could you at the "loan contract" provides servicing.

5, loan amount does not exceed the maximum amount of real estate loans 1,629 80%.

6, the lenders required to submit documents or materials (Note : to date, to be submitted to the document)

unit (1) of Beijing residents legally valid identity cards, residence booklet or temporary permits;

unit (2) applicants with banks designated developers signed the purchase contract or letter of intent;

unit (3) provided the first proof of payment consistent with bank;

unit (4) proof of income borrowers;

(5) academic certification;

(6) marriage certificates;

(7) other personal or family property to prove;

unit (8) mortgage, pledge or assurance of the security document;

(9) other documents required by the banks.

7, cost

(1) legal fees (law firms charge);

(2) collateral property insurance (insurance companies charge);

(3) Stamp Duty (national tax authorities to collect);

(4) mortgage records, registration, cancellation fees (national housing and land management charge).

8, telephone (Beijing) 66219988 to 22602-22609