Social Security Loan of China Construction Bank

Basic provisions on loans 1. Loan target: China citizens with full capacity for civil conduct aged 18 to 60. 2. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. 3. Loan term: the mortgage line is valid for up to 5 years; The expiration date of the validity of the pledged amount shall not exceed the expiration date of the pledged right, and the longest period shall not exceed 5 years; Credit line and guarantee line are valid for 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit. 4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank; 5. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB. Application materials to be provided: (1) original and photocopy of the borrower's valid identity certificate; (2) proof of local permanent residence or valid residence identity (3) proof of borrower's loan repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. (4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage. (5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. (6) Credit certification materials of the guarantor. (7) Collateral appraisal report issued by socially recognized appraisal department (8) Other documents and materials specified by CCB: ① Acceptance. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower. ② Investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness. 3 recognition. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee. 4 distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time. ⑤ Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help. ⑥ Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank. Mortgage loan 1. Collateral: the house owned by the borrower or a third party, with the Property Ownership Certificate. 2. Mortgage process: (1) Ask whether the property right house of the district/county real estate bureau where the property right house is located can apply for mortgage registration; (2) If you get a clear answer, you can apply for a mortgage loan from CCB's personal comprehensive consumer loan institution with the Property Certificate and relevant personal data; (3) CCB entrusts a real estate appraisal agency to appraise the self-owned property provided by the applicant, submits a real estate appraisal report, and charges a handling fee of 3‰ of the appraised value; (4) CCB assists the applicant to handle the formalities of real estate insurance and the corresponding loan approval procedures, and the maximum loan amount does not exceed 70% of the assessed value, and approves the issuance of loan contracts and mortgage contracts; (5) The borrower shall go through the mortgage registration formalities with the real estate license and loan contract at the county real estate bureau where the real estate is located, and the agency expenses shall be borne by the borrower; (6) After the mortgage registration is completed, CCB can release the loan to the borrower's personal savings account. Therefore, if there is no house as collateral, there can be a third party guarantee.