按 揭 贷 款 百 问（Mortgage questions）.docVIP

按 揭 贷 款 百 问（Mortgage questions） The first part: Mortgage 1, what is the mortgage loan? Answer: the mortgage loan business, is a secondary market transaction, for a bank loan business development. The purchase of mortgage in the real estate transaction, apply for loans from banks, to pay part of the purchase, then the stage to the bank to repay the principal and interest. The net value of the property assessment loan amount does not exceed the maximum purchase (or purchase price) 80%. 2, apply for mortgage loan conditions should have? Answer: 1, 18 years of age, a natural person with full capacity for civil conduct; 2, with a stable occupation and income, good credit, have the ability to repay; 3, other conditions prescribed by the bank. 3, apply for mortgage loans to provide the information? Answer: mortgage loans into a building and the secondary mortgage loans two, required to submit the following information: Mortgage a building Buyer: ID card, proof of income, proof of payment payment Seller: no Second-hand floor Buyer: ID card, proof of income, photocopy, initial purchase certificate, assessment report (the other conditions prescribed by the bank) Seller: ID card, passbook, certificate of property 4, the mortgage loan amount, term and interest rate? Answer: loan amount First floor: the purchase price does not exceed the maximum of 8 Second floor: the loan does not exceed the maximum amount of the purchase of housing to assess the net value of 80%; The term of the loan A building: a maximum of 30 years Second-hand floor: a maximum of 20 years; lending rate In accordance with the provisions of the peoples Bank of Chinese rates implemented, namely 1-5 3.975 per thousand years (months), 4.77% (6-30 years); 4.2 per thousand years (months), 5.04% (years). 5, apply for mortgage loan procedures? Answer: for a mortgage loan program is as follows: for the secondary mortgage loan program is as follows: The customers pay the deposit reserve, the seller and the buyer signed