Individual housing combines loan to publicize manual

From;  Author:Stand originally
1, what is loan of individual housing combination (does ' of the following abbreviation combine loan ' ) ?
Combining loan is to show management center of Beijing housing accumulation fund entrusts a commercial bank to extend to borrower use at its to buy an individual to live oneself the housing accumulation fund of housing borrows money and the commercial bank extends to same borrower use at its to buy same individual to live oneself the loan combination that the commerce of housing borrows money.
The specified amount of accumulation fund loan that can apply when the person that buy a house namely is spent cannot when the contented and real need that buy a house, can borrow money through dealing with combination, loan of use accumulation fund and commercial loan satisfy the place that buy a house to need.
※ notes: National office separates assorted loan business of the center in the center of management center of Beijing housing accumulation fund, the office of state of concerned regulation centrally that divides a center according to central state office divides a center to deal with.

2, the applicable target that sets loan
The applicable target that sets loan borrows money to accord with accumulation fund at the same time condition and requirement of commercial bank loan, the on-the-job worker that puts housing accumulation fund in capture of management center of Beijing housing accumulation fund and incumbency capture put housing accumulation fund from retired worker.

3, combine loan accept a branch
The person that buy a house handles assorted loan, can borrow money to accumulation fund of housing of accumulation fund management center namely center or outer suburbs (area, county) administrative department puts forward to combine loan to apply for, also can put forward to combine loan application to the commercial bank that can handle combination to borrow money.
After assorted loan applies for to be accepted, the person that buy a house should press the demand of accumulation fund management center and agency bank clerk, the examine and verify that provide concerned data and completes loan is dealt with.

4, combine loan assure means
The person that buy a house handles assorted loan, need those who offer accumulation fund management center and commercial bank to approbate to assure, assure means has the following 3 kinds:
Ⅰ mortgages tripartite of + assures to assure. Mortgage the person mortgages with the building namely, assure to combine loan creditor's rights to offer, by Beijing housing loan is assured the center is loan of accumulation fund of the housing in combining loan to offer joint liability to assure, loan of the business in combining loan artificially by the assurance that the bank approbates is offerred extend to register the level sex during finishing to guaranty from loan joint liability assures.
Ⅱ guaranty assures. Mortgage the person mortgages with the building namely, assure to combine loan creditor's rights to offer. Loan is registered at guaranty after finishing, extend.
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