建行房子抵押贷款政策？英文双语对照

政策：

房产抵押贷款的条件

　　1、有合法的身份（即拥有正规合法的身份证、户口本等身份证明材料）；

　　2、有稳定的经济收入，有偿还贷款本息的能力；

　　3、年龄在25周岁以上或实际工作年限在5年以上（此条其实是对经济能力的补充）；

　　4、有合法有效的住房交易合同，一手房交易的还应有真实的房屋预订合同或相关凭据；

　　5、以新购住房作最高额抵押的，须具有合法有效的购房合同，房龄在10年以内，且备有或已付不少于所购住房全部价款30%的首付款；

　　6、已购且办理了住房抵押贷款的，原住房抵押贷款已还款一年以上，贷款余额小于抵押住房价值的60%，且用作抵押的住房已取得房屋权属证书，房龄在10年以内；

　　7、房屋抵押贷款房产的产权明晰，可进入市场流通（有十种房子不能办理房产抵押贷款）；

　　8、能提供建行认可的有效担保（建行房产抵押贷款条件中要求担保人，但其它银行很多都不需要）。

　　需要提供的申请材料

　　一、住房贷款借款人及配偶有效身份证件、婚姻关系证明的原件和复印件;

　　二、借款人及配偶的当地常住户口或当地长期居住证明材料;

　　三、从事生产经营的营业执照，从事许可制经营的，应提供相关行政主管部门的经营许可证原件及复印件;

　　四、生产经营活动的纳税证明;

　　五、买房抵押贷款借款人配偶承诺共同还款的证明;

　　六、借款人获得质押、抵押贷款额度所需的质押权利凭证、抵(质)押物清单及权属证明文件、权属人及财产共有人同意质押、抵押的书面文件;

　　七、建设银行二级分行(含)以上认可的评估部门出具的抵押物估价报告;

　　八、建设银行需要的其他资料。

　　建设银行房屋抵押贷款办理流程

　　①借款人申请办理个人助业贷款，须持建设银行规定的有关申请材料向贷款行提出申请，填写申请表，提交相关资料;

　　②客户经理双人实地调查、审核同意后，上报有权审批部门审批，银行审批同意后，与客户签定贷款合同;

　　③客户经理办理放款手续，将款项转入借款人在我行开立的结算帐户上，客户即可使用贷款资金;

　　④借款人到营业柜台还款，或在存款账户或银行卡上留足还款金额，委托贷款银行代扣还款;

　　⑤贷款结清后，营业网点将抵(质)押权利证书退还给客户。

Policy:

The condition that house property guaranty borrows money

1, have legal status (have normal and lawful Id, registered permanent residence to wait for identification material originally namely) ;

2, the economic income that has stability, paid the ability that returns loan principal and interest;

3, the age is in in above of 25 one full year of life or real work fixed number of year 5 years of above (this complement that is pair of economy capacity actually) ;

4, lawful and effective housing trades contract, the due still and actual building that skill room trades books contract or relevant credential;

5, mortgage with buying housing newly to make highest specified number, must have the lawful and active contract that buy a house, room age is in 10 years of less than, and stock or already paid not less than place to buy housing total cost of 30% head pay;

6, already bought and dealt with housing guaranty to borrow money, former housing guaranty borrows money already reimbursement a year of above, 60% what loan remaining sum is less than guaranty housing value, and already obtained building right to belong to certificate with on mortage housing, room age is in 10 years of less than;

7, the property right of house property of building mortgage loan is clear, accessibility market is current (10 kinds of houses cannot deal with house property guaranty to borrow money) ;

8, what can offer the Construction Bank to approbate is effective assure (security of the requirement in requirement of loan of mortgage of Construction Bank house property, but other bank does not need more very much) .

Need offerred application material

One, the original that relation of effective identity document, marriage proves housing loan borrower and spouse and Xerox;

2, the place of borrower and spouse often stays registered permanent residence or place to live for a long time proof material;

3, the business charter that is engaged in production managing, be engaged in a license making manage, should offer relevant administration to be in charge of business certificate original of the branch and Xerox;

4, the pay taxes that manufactures management activity proves;

5, commitment of spouse of borrower of loan of the mortgage that buy a house is common the proof; of reimbursement

6, the impawn right evidence that borrower obtains specified amount of loan of impawn, mortgage to spend place to need, touch (qualitative) the written file; that detain matter detailed list and authority belong to proof file, authority to belong to person and belongings to share a person to agree with impawn, guaranty

7, construction bank 2 class branch (contain) the assessment that above approbates branch; of issued pawn appraisal report

8, the other data that builds bank need.

Construction bank building mortgages loan conducts technological process

① borrower applies for to deal with an individual to aid course of study to borrow money, the concerned application material that must manage construction bank to set offers application all right to loan, fill in application form, refer relevant data;

After on-the-spot investigation, examine and verify agrees with two-men of ② client manager, appear in the newspaper authority examines and approve a branch, the bank is examined and approve after agreeing, sign loan contract; with the client

③ client manager deals with loan procedures, on the settle accounts account that turns money into borrower to be opened in our bank, the client can use loan fund;

④ borrower arrives business bar reimbursement, or sufficient reimbursement amount takes on deposit account or bank card, entrust loan bank generation to buckle reimbursement;

After ⑤ loan settle, business net name a person for a particular job is touched (qualitative) mortgage right certificate returns a client.