Classification of individual housing loans and business

First, the policy of individual housing loans (Loan Fund)
Policy-oriented individual housing loans is the city and county people's government and the military, coal, railway, oil and other designated system, commissioned by the commercial banks to housing policy and sources of funds for payment of housing loans, policy-oriented individual housing loans from major financial Workers housing fund, where any talk of the main housing loan fund ten people.
Personal housing accumulation fund loans, is the normal housing accumulation fund paid into the workers to the borrower or a third person to purchase housing or other ownership of the property as security or pledge and the application of a policy loan, the borrower can not repay the loan principal and interest due , Loan management (the rights and interests of people) in accordance with the law have the right to deal with their mortgage or pledge objects, and dealt with according to law after the money has arrived in loan funds for principal and interest.

1, personal housing accumulation fund loans and conditions
(1) with a local resident accounts with full capacity of the civil-service workers:
(2) a stable income, good credit, to repay the loan principal and interest.
(3) the borrower and the unit to implement the housing accumulation fund system for more than one year and paid into the fund in full and on time
(4) has a legitimate and effective purchase, construction, owner-occupied housing repair contracts or agreements.
(5), but unfortunately people shall agree to purchase the home as collateral.

2, personal housing accumulation fund loan limit
That is, the number of loan credit line, which is the three elements of the loan (the amount, duration and interest rates) in the primary factor.
(1) = amount of loan-to-be borrowers and their spouses Jijiao housing accumulation fund on wages and transfer of 40% * 12 (months) * loan period
(2) shall not exceed the maximum loan amount of the purchase, construction, housing repair costs of 70%, and borrowing should not exceed the retirement age of family members with housing accumulation fund paid into by the amount of 2 times.
(3) credit line is a dynamic indicator will be based on the housing funds, housing supply and demand, and so on the actual situation and to make corresponding adjustments to the community after the announcement of the implementation.

3, personal housing accumulation fund loan period
Term of the loans that borrowers of loans from the date until all principal and interest paid on the day only. Loans extended under the request of the borrower to repay and the ability to determine, should not be longer than 30 years.
Loan period is directly related to the revolving loan funds rate and the risk of the loans, personal housing accumulation fund loans into the next period is not a change, as the country's economic policy in particular, the housing reform policy changes and to make corresponding adjustments in order to more fully To play a personal housing accumulation fund loans for conversion to housing allocation system to ease the contradiction between supply and demand of housing.

4, personal housing accumulation fund loan interest rates
That is, interest rates, a certain period of time is the amount of interest and principal of the ratio. Can be divided into annual interest rate, the interest rate on the Japanese interest rates, with another sub-"%"," ‰ "," ‰ ", said. Annual interest rate divided by 12 (months) for the month interest rates, divided by 360 (days) for Japanese interest rates; On the contrary monthly rate multiplied by 12, multiplied by 360 days compared with annual interest rates.

5, personal housing accumulation fund loan program
(1) workers must provide the following information:
① borrowers and their spouses of identity cards, the account book;
② borrowers have a stable family income of about proof;
③ the validity of the purchase, construction, owner-occupied housing repair contracts and agreements;
④ funds deposited in the bank to prove;
⑤ list of collateral, proof of ownership;
⑥ agreed to provide a security guarantee written opinion;
⑦ house down payment or receipt of the construction, owner-occupied housing overhaul of its own funds to prove.
(2) Housing Fund Management Center, confirmed the review, commissioned by the bank for loans to the following procedures:
① credit loan contract signed between the housing and mortgage contracts;
② both lenders and borrowers for legalization of the contract;
③ credit insurance for both procedures:
④ mortgage loans for both forensic procedures;
⑤ loans will be transferred funds to sell units;
⑥ according to the loan contract agreement, the borrower in the bank account set up so that paragraph, the monthly repayment on time.
Personal housing accumulation fund loans are loans to employees buying houses has become the preferred method, this is the main reason for individual housing loans of the lowest interest rates, reducing the staff house in the future to repay the interest burden.

6, the individual all-reserve housing loan example
TUNG prepared from the real estate development company A (hereinafter referred to as Company A) to buy a set of square meters of floor space 1oo, 195 5oo million of the total price of housing, Mr. Dong and his wife are deposited in the housing accumulation fund, but because of self-financing Lack of requirements to apply for individual housing provident fund loans.
The first step, through consultation, Mr. Dong loan limit may apply for up to 80,000 yuan loan, the loan for up to 30 years.
The second step, the Chief Executive and the company signed a purchase contract, and shall advance purchase 115,500 yuan speculation.
The third step, Mr. Dong to the location of the housing fund management center, personal housing accumulation fund loans to related material, by the Center for review of loans for Mr. Dong. Commissioned by the bank loan (the bank) of the credit for Mr. Dong, to determine the amount and duration of the loan.
The fourth step, but unfortunately Mr. Dong to the bank shall enter into contracts, mortgage contracts, credit card processing debit card processing, and so on.
The fifth step, the above gone through all necessary procedures, issued by the Bank agreed to loan of 80,000 yuan to the A certificate from the company to sell full invoice issued by Mr. Dong.
The sixth step, Mr. Dong to the location of the bank in real estate property rights registration departments of the Authority for housing and mortgage registration of property rights registration.
The seventh step in the process of registration of mortgages, "he Housing of the C of E," the bank loans to 80,000 yuan, the money people designated A's. The eighth step, Diershiyue borrowing from Mr. Dong, 15, a month before their credit card debit card Beizu calculation of the required monthly debt service payments on a monthly basis by the bank to repay Kouhua.
Ninth step, all of Liao-money loans, banks and Mr. Dong went to the seat of the Housing Authority property rights registration departments for real estate mortgage write-off procedures.
When the borrower to apply for individual housing mortgage loans, to guarantee the purchase of insurance and property insurance, bank loans by the insurance agency procedures. Beibaozhengren the amount of each premium = * * several years repayment rates * 0.5 * (loan period +1).
Property insurance premium calculation: the amount of insurance premium = 1.2% * * insurance period.


Second, the commercial individual housing loans
Commercial individual housing loans by commercial banks is the credit for the source of funds to buyers of personal loans.

1, the target of loans and conditions
(1) must be a full civil capacity of residents and workers:
(2) cities and towns with permanent residence or a valid residency status;
(3) there is a legitimate occupation, the stability of legitimate sources of income. Good credit and repay the loan principal and interest on a monthly basis.
(4) need not be less than the cost of housing to buy 30% of the total self-financing:
(5) approved by the bank or pledge assets as collateral, or adequate compensation or personal capacity as a guarantor.

2, the loan amount, duration and interest rates
(1) the amount of loans to purchase up to the total cost of the room 70qc. Specific credit line from banks based on the borrower's credit, economic conditions and collateral review of the situation to determine.
(2) the longest period of the loan over the next 30 years.
(3) lending rate by a contract signed when the yuan announced by the implementation of the individual housing loan interest rates, the implementation of the contract during the case of interest rate adjustment will take some of the principles of the year in the following year starting on January 1 adjusted accordingly.
Individual commercial mortgage principal and interest equal Liao paragraph law balance speed are as follows:

3, apply for loans to be provided by material
(1) and the borrower's spouse identity card, residence booklet. The couple's residence is not the same need to provide proof of marriage;
(2) the force of law in the sale of the Housing Lease fiber
(3) units issued by the couple's income or to prove the bank has approved loans of Liao's ability to prove the other;
(4) the right to fill in personal housing loan applications as well as housing loans and contracts to ensure that the contract;
(5) the right to fill in application forms real estate mortgage and real estate mortgage contracts, sell units to be secured as a side sealed the signing.

4, for individual housing loan process
1. Advisory 2. Borrower 3. Buyers apply for loans 4. To provide information 5. Bank 6. Audit 7. Signing of the loan contract, mortgage contract 8. Notary public to 9. Notarized contract for 10. To 11 Registry of real estate . For housing mortgage the property rights registration 12. To prove to the mortgage banking 13. Insurance business for 14. Borrowers to repay 15. To settle all the loans of 16. For cancellation of registration of real estate mortgage

5, the borrower for the loan note
(1) the return of the loan principal and interest on time;
(2) do not provide false documents or information;
(3) without a bank agreed not to set mortgage or pledge of property or the rights and interests of the demolition, sale, transfer, gift or mortgage repeat;
(4) does not change the unauthorized use of the loans, misappropriation of loans;
(5) with the use of bank loans to carry out supervision and inspection;
(6) and other non-corporate or economic organizations to sign undermine the rights and interests of the bank loan contract or agreement;
(7) to ensure the breach of warranty contracts or loss of ability to assume joint responsibility to ensure that collateral damage as a result of accidents not sufficient to repay the loan principal and interest, decreased quality material impact on lenders to achieve the right quality, the borrower's bank loans in accordance with the requirements or assure the implementation of the new The new mortgage (pledge)
(8) with the consent of the borrower's bank loan agreement may provide for early repayment, the bank loans are based on the actual repayment period of loan interest accrued. For the early repayment of bank loans as follows:
Unfortunately, ① paragraph must be scheduled in advance on the repayment of loans a month ago to inform banks, the notice has been issued that is irrevocable;
② the borrower to repay the full principal and interest of loans ahead of schedule, bank loans in real term of the loans include interest on the loan;
③ part of the borrower to repay principal and interest of loans ahead of schedule, bank loans in addition to the actual loan interest accrual period, and adjusted based on the borrower's loan period of re-signing of the loan contract or change the contract signed sections but unfortunately the agreement;
(9) shall unfortunately people were killed or declared legally dead or missing from the lawful successor of the property shall continue to carry out but unfortunately people signed
Loan contract, the guarantor should continue to provide security until the lifting of the contract.


Third, the combination of individual housing loans
Personal housing loans portfolio, as its name implies refers to the policy of housing funds (housing fund) and the power source of credit funds to purchase the same common-occupied housing loans to individuals, it is the policy and commercial individual housing loans portfolio.
Individual housing loan portfolio, will enable more participation in the housing accumulation fund system to enjoy their employees should enjoy preferential loans to fund housing rights, at the same time as a result of a large number of bank credit funds into individual housing loans, housing workers less than the amount of the loan fund to portfolio Commercial loans were individual housing loans to add to that, you can make a substantial amount of individual housing loans, loan interest rates, relatively speaking, than pure commercial individual housing loans to low interest rates, and thus can alleviate the appropriate personal loan interest rates rather than a burden, Workers can greatly improve the house's ability to pay.
Individual housing loan portfolio, only for the housing accumulation fund paid into the workers can apply for a talent. When individuals apply for loans to purchase, if the use of personal housing accumulation fund loans made the loan amount can not meet the needs of buyers and at the same time the amount of loans to small Liao housing of the total purchase price by 70%, it will also apply for commercial individual housing loans, but The two loans can not exceed the total purchase price of housing by 70%.
Personal housing accumulation fund loans and commercial individual housing loans, in principle, 1:1 power.
Personal housing loans in the portfolio of policy loans and commercial loans by the interest rate front of the speed of the spreadsheet in the implementation of the interest rate (see Table 3, 4-4-4).
To apply for individual housing loan portfolio in front of the procedure and the procedure is the same, but were repeatedly asked to pay two loans required materials, with review by the