按 揭 贷 款 百 问（国外英文资料）.docVIP

按 揭 贷 款 百 问 Part 1: building mortgage 1, what is the building mortgage loan? A: the mortgage loan business of the building is a loan business conducted by the bank for primary and secondary floor transactions. Buyers to the transaction of real estate as collateral to apply for loans to the bank, to pay part of the purchase, and then returned to the bank in installments with the principal and interest. The maximum amount of the loan does not exceed 80% of the net value of the property purchased (or the total value of the purchase). 2, the application for housing mortgage loans should have the conditions? Answer: 1, 18 years of age, with full civil capacity of natural persons; 2, with stable occupation and income, good credit, and repayment ability; 3. Other conditions stipulated by the bank. 3, the application for mortgage loans need to provide information? Answer: mortgage loans are divided into two types of mortgage loans: one hand and second floor mortgages. The following documents are required: Mortgage loans on the first floor Buyer: identity card, income certificate, payment of the down payment certificate Seller: None Second-hand building Buyer: identity card, income certificate, copy of passbook, certificate of first phase of purchase, assessment report (other conditions specified by the bank) Seller: identity card, passbook copy, property certificate original 4, the amount of mortgage loans, duration and interest rates Answer: loan amount First floor: no more than 8 of the total purchase price Second floor: the maximum amount of loans does not exceed 80% of the net value of the assessed purchase; Loan term First floor: the longest is not more than 30 years Second floor: the longest is not more than 20 years; lending rate According to the interest rate stipulated by the peoples Bank of China, that is, 1-5 years, 3.975 per thousand (month), 4.77% (year), 6-30 years, 4.2 per thousand (month), and 5.04% (year). 5, for housing mortgage loan procedures? Answer: fo