Shanghai real estate mortgage loan support

The Loan Policy of Shanghai Mortgage Bank

Bank real estate mortgage loan mainly examines mortgaged real estate from three aspects:

1. Age: 20 years for first-hand houses and 0/5 years for second-hand houses;

2. Property ownership, which needs to be a property with clear property rights, complete documents and written consent of the property owner to mortgage;

3. The mobility of real estate needs to be comprehensively judged according to the geographical location, floor, orientation and surrounding facilities of the real estate. Real estate banks with low liquidity will directly refuse to lend.

How much can I borrow to buy a house in Shanghai?

1. Houses with the same price will also have different loan quotas when handling mortgage loans, because the factors that determine the loan quotas are the houses and the lenders themselves. Under normal circumstances, the mortgage rate of commercial housing in Shanghai can reach 70%, the mortgage rate of shops and office buildings in Shanghai can reach 60%, and the mortgage rate of industrial plants can reach 50%. There are many factors that affect the amount of Shanghai real estate mortgage loan. The appraised value of real estate is the main reason that directly affects how much money can be borrowed from Shanghai housing mortgage loan. The appraisal value of real estate mainly includes the appraisal house type, house area, orientation, location, building years, floors, etc.

2. The amount of Shanghai housing mortgage loan is also directly related to the assets owned by the borrower. If there is only one property, most of it can only be loaned to half the value of real estate assessment; If you have multiple properties, you can borrow 70~80% of the value of real estate assessment. The amount of personal income will also be included in the scope of affecting the loan amount by banks. If the personal income is low, the bank will worry that the borrower's repayment ability is insufficient, and then reduce the loan amount.

1. Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and guarantee. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank directly transfers the loan funds to the seller's bank account within the time limit stipulated in the contract.

2. Housing mortgage loan is a loan provided by the bank to the borrower through a certain contract in order to ensure the safety of the loan and obtain the lien and pledge of the borrower's property according to law. This kind of loan is actually a loan in which the debtor (mortgagor) transfers the property ownership to the creditor (mortgagor) according to law to obtain a loan. During this period, if the debtor fails to repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and give priority to compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank liquidity.

What are the advantages of Shanghai Bank's real estate mortgage loan? Is the application threshold high?

Letter of credit clause

Shanghai Bank's real estate mortgage loan is aimed at China citizens or Hong Kong, Macao and Taiwan residents. Its application threshold is not high, as long as it is over 20 years old, with stable income and real estate.

1. The applicant is 20-60 years old and has full capacity for civil conduct;

2. The applicant's family income is stable and has the corresponding repayment ability;

3. The applicant and his spouse have no loan line in Shanghai Bank;

4. The mortgaged property is an existing house with local personal property rights owned by the borrower;

5. Other conditions stipulated by the loan handling bank.

Loan advantage

The real estate mortgage loan of Shanghai Bank has a long credit period of 10 year, which can be recycled and repaid with the loan. Repayment is flexible, convenient and fast.

1, you can borrow it and return it, and recycle it: you can apply for a line once and recycle it many times; During the credit period, the borrower can apply for withdrawal from our bank at any time according to its multiple purposes such as consumption, tourism, study abroad and business, and the procedures are simple.

2. Flexible repayment, reducing pressure: provide intimate repayment methods. According to the actual repayment ability and family financial plan, the borrower and the loan handling bank agree to repay the loan principal and corresponding interest at a certain proportion every month, and the remaining principal will be returned uniformly after maturity. The proportion of principal repayment is flexible, which can not only freely arrange family financial expenses, but also reduce the monthly repayment pressure and save loan interest expenses.

3. SMS reminder, mobile phone housekeeper: provide SMS reminder service to remind borrowers of loan issuance and due repayment in time through SMS to avoid overdue repayment and failure to renew loans in time due to forgetting and negligence. Customers who successfully apply for a line loan and reserve the correct mobile phone number can automatically get this service provided by our bank for free.

4. Return it if you want, which is convenient and quick: automatic prepayment function is provided. The borrower can choose to apply for automatic prepayment function and deposit the spare funds into the designated account as needed. After the monthly repayment agreement, the bank will automatically deduct the money according to the balance of the designated account and repay the loan in advance. The borrower does not need to go to the bank to apply for withdrawal repayment, which is convenient and fast.

Which banks can do the second mortgage of real estate?

Second, all the banks you visit, such as Minsheng, China Merchants Bank, Zheshang, Chouzhou and Ningbo Shang Tong Bank, can be used. Only one mortgage is a bank mortgage. Every family has different requirements. In addition to banks, there are some large institutions that trust companies can also handle. The interest rate is comparable to that of banks.

The process of mortgage housing is divided into two mortgage:

1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent.

2. Apply for a loan from the bank and submit relevant materials.

3. After investigating and verifying the borrower's credit status, the bank shall notify the borrower of the review results. The bank agrees to sign a contract with the borrower and the guarantor, and agrees to sign a supplementary contract for housing mortgage loan with the seller. The loan amount paid by the seller is enough to repay the difference between the seller's interest and the loan principal and interest.

4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller.

5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.

How to handle the real estate mortgage loan of Shanghai Bank?

First, the object of Shanghai Bank's real estate mortgage loan:

1, 18 years old or above, China citizens or Hong Kong, Macao and Taiwan residents with full capacity for civil conduct;

2. Foreign individuals who have worked in China for more than one year and have local real estate in China.

Two. Conditions of Shanghai Bank's real estate mortgage loan:

1, with stable economic income (the working time is required to be more than one year, and the existing work is required to be continuous for more than one year when applying for a loan);

2. Agree to handle personal credit information and housing mortgage loans, and Shanghai Bank agrees to handle notarization of relevant transaction contracts and loan contracts when it deems it necessary;

3. Other conditions stipulated by the Shanghai Bank loan handling bank.

Three. Materials to be submitted for Shanghai Bank's real estate mortgage loan:

1, ID card, household registration book/household registration certificate and marital status certificate;

2, proof of income, income substitutes, proof of assets, etc. ;

3. House pre-sale (sales) contract and prepayment invoice (prepayment receipt);

4, the transaction of housing property certificate and a copy of the household registration book, mortgage housing property certificate;

5. Application materials deemed necessary by other banks.

Extended data

Loan process

1. The borrower shall fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials to the bank:

(1) The borrower's fixed income certificate issued by the borrower's unit;

(2) Credit certification documents such as business license and legal person certificate of the loan guarantor;

(3) The legal and valid identity certificate of the borrower;

(four) the relevant proof of the ownership of the house or the proof that I enjoy the right to control the house according to law;

(5) Appraisal report, appraisal report and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of houses;

(6) Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.