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Personal housing mortgage loan

Personal housing mortgage loan

loans based on the borrower's character, occupation, educational level, repayment ability, the purchase of housing, such as liquidity situation. Shall not exceed a maximum 70% of real estate assessment value.

term of the loan in less than five years, buying business room a maximum of not more than 15 years, and the loan maturity date cannot exceed the borrower in principle 65 years of age.

the interest rate for loans provisions of the people's Bank. In case of statutory interest, for a period of 1 year or less, implementation of the contract rate, no sectional interest; for a period of 1 year or more, early the following year to implement new rates.

borrowers should be in accordance with the contract of repayment, repayment plans to repay the principal and interest. Loan period less than 1 year (1 year), the implementation of quarterly interest payments, settlement of principal and interest due; loan period at least 1 years, equal installments on a monthly amortization of loan principal and interest

 

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