四、情景对话

情景对话

个人住房按揭贷款

(1)
A:excuse me,i'd like to know st about personal housing loan

B:well,are u a permanent resident here?

A:no,i have been here for investment in China from Australia

B:Oh,for foreigners living here,the temporary residence permit or valid residential certificantis required,as well as the certificant of local fixed residence and contact infomation.

A:and what qualification shall i have for a personal housing loan?

B:you sould submit several documents:housing purchase contract,downpayment receipt,employee certificant and income proof issued by your employer.

A:that means i have to make a downpayment and sign the house purchasing contract with the house supplier,right?

B:yes,you have to make a 30%downpayment of the house value.

A:any guarantee?

B:you have to sign a guarantee agreement with us,i can be guaranteed by a mortgage on real estate,marketable securities,or by an employer or an individual accepted by our bank.

A:ok,thanks,i will prepare the required documents before the housing loan application.

B:here is the service guide for personal housing loan for you ,you can get more detials from it.

(2)
A:what can i do for you ?

B:what documents should i prepare for a personal housing loan?

A:well,first of all,you should have the originals and duplicates of your house purchasing contract and downpayment receipt respectively

B:anything else?

A:2 duplicates of the presale license of commodity housing ,your ID card and your residence booklet respectively

B:is it ok if i only bring the duplicates?

A:ah,you have to bring the originals of your ID card and residentce booklet because we must check them with your applicantion form.

B:what shall i do if i want to apply for a low interest loan?

A:ok,do you have an accumulatation fund account

B:yes i do

B:well,have you been making asuccessive deposits into this accumilation fund account of over six month?

A:yes of course

B:so ,you are qualified to apply for the personal housing loan on accumulation fund.