How much is the down payment for a loan from a foreigner in Shanghai?

What are the conditions for foreigners to borrow money to buy a car in Shanghai? What do you need?

What are the conditions for foreigners to borrow money to buy a car in Shanghai? What do you need?

First of all, the preconditions

1, 6-month permanent residence certificate, water and electricity bill, tax bill and temporary residence permit are required.

2. Buying a car with a loan requires the lender to have a fixed residence, a fixed income and a repayment plan.

Second, go through the formalities.

1. The original ID card of the lender and a copy of 10 (for loan procedures); If you are married, please provide the original and 5 copies of your spouse's ID card.

2. Income certificate issued by the lender's own unit.

3. The original account book of the lender and the original real estate license.

4. After choosing a good model, talk to the dealer about the down payment ratio, loan amount and repayment period.

5. Fill in the loan application form and go through the loan formalities.

First of all, the preconditions

1, 6-month permanent residence certificate, water and electricity bill, tax bill and temporary residence permit are required.

2. Buying a car with a loan requires the lender to have a fixed residence, a fixed income and a repayment plan.

Second, go through the formalities.

1. The original ID card of the lender and a copy of 10 (for loan procedures); If you are married, please provide the original and 5 copies of your spouse's ID card.

2. Income certificate issued by the lender's own unit.

3. The original account book of the lender and the original real estate license.

4. After choosing a good model, talk to the dealer about the down payment ratio, loan amount and repayment period.

5. Fill in the loan application form and go through the loan formalities.

Three. Information required to apply for a bank loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: a list of fixed telephone bills, or a list of water and electricity bills paid in any three months in the past year, or other information that can prove the address.

4. Guarantee certification materials

5. Proof of use: provide the invoice for the full amount of car purchase before the loan is issued, or provide the car purchase agreement (contract) plus the down payment invoice (or the receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

What are the conditions for foreigners to borrow money to buy a car in Shanghai? Prepare what?

At present, car loans are generally handled directly at car dealers, and the down payment ratio ranges from 20% to 50%, and the loan period is paid off within 5 years. No guarantor is required, but the lender is required to have a fixed residence, fixed income and repayment plan. The required procedures are:

1. The original ID card of the lender and a copy of 10 (for loan procedures); If you are married, you need to provide the original and 5 copies of your lover's ID card.

2. Income certificate issued by the lender's own unit.

3. The original account book of the lender and the original real estate license.

4. After choosing a good model, talk to the dealer about the down payment ratio, loan amount and repayment period.

5. Fill in the loan application form and go through the loan formalities.

Then the dealer's car loan staff did it. You just need to cooperate.

What are the conditions for foreigners to borrow money to buy a house in Shanghai?

To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period must not exceed 70 years old. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.

What are the conditions for foreigners to borrow money to buy a car in Shanghai?

When purchasing a vehicle, the temporary population in a non-registered place needs to provide a 6-month permanent residence certificate, utilities, tax bill and temporary residence permit. These all need a number, and you can't settle down without a number.

What are the procedures for foreigners to borrow money to buy a car in Shanghai?

The nonlocal population needs to have real estate in Shanghai or find a guarantor.

Personal ID card, household registration book, income certificate, residence certificate, and some supplementary materials, such as driver's license, photos, payroll, housing, water bill, etc., are required.

What are the conditions for foreigners to borrow money to buy a car in Fuzhou?

The conditions are as follows:

Loan buyers must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the savings counter account of the handling bank.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

Buying a car by loan means that the borrower applies for a loan from the lender to buy a car, requiring the car buyer to pay a certain down payment and provide proof of repayment ability, and has no bad credit record.

The materials needed to apply for a loan to buy a car include personal valid identity documents, household registration certificates or long-term residence certificates, and personal income certificates. At present, most 4S stores have cooperation agreements with banks, which are guaranteed by 4S stores or third-party companies to help consumers borrow from banks. Different 4S stores choose different banks.

Loan to buy a car, that is, car consumption loan, is a new loan method in which banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.

What are the conditions for foreigners to borrow money to buy a car in Tianjin?

Conditions for loan to buy a car:

1,/kloc-citizens aged 0/8 and under 65 with full capacity for civil conduct;

2. Have legal identity documents, local permanent residence or valid residence certificates;

3, the loan individual should have a stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule;

4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the bank;

5. The lender must provide a guarantee recognized by the bank;

6. The lender is willing to accept other conditions deemed necessary by the bank.

What are the procedures for foreigners to buy a car loan in Shanghai?

I will give you an answer:

Shanghai loan to buy a car requires the following materials:

1. Personal and spouse ID cards;

2. Personal and spouse's household registration book;

3. Marriage certificate

4. proof of income of myself and my spouse;

5. Proof of property

6. driver's license

7. Details of bank statements under personal names

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Parents in Shanghai can also apply for a Shanghai loan to buy a car in Yi Rong, Shanghai. They are very formal professional car loans to automobile mortgage!

It is difficult for you to adopt ~ ~ code words.

I want to get a loan to buy a car. What are the requirements? I'm a foreigner, and now I'm in Shanghai ~

Foreigners can also borrow money to buy a car. You have many options. If you have higher personal qualifications, you can apply for bank loan products. If the car price is not high, you can also use a credit card loan to buy a car.

With only one ID card, can foreigners get loans in Shanghai?

Hello, yes.

There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended that you use money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

What are the conditions for foreigners to borrow money to buy shops in Shanghai?

What are the conditions for foreigners to borrow money to buy shops in Shanghai?

You can try to apply for a loan through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and choose 3 people to provide customer service -3-3-8 to provide loans, so as to learn more about the city.

Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

What are the loan conditions for foreigners to buy a house in Shanghai

Application materials to be provided:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

5. Loan term: The maximum validity period of the mortgage line is 5 years, the expiry date of the pledge line shall not exceed the expiry date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 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.

6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.

Can a foreigner buy a 3 million yuan shop in Shanghai with a down payment?

You can try to apply for a commercial housing loan through China Merchants Bank, and you need to mortgage the purchased commercial housing. Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.

What are the requirements for foreigners to apply for Shanghai?

Generally, if you intend to apply for an individual, you need to meet the following conditions.

1, provide personal identification;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income sources, etc.

What conditions and materials do foreigners need to borrow money to buy a house in Shanghai?

Loan conditions for foreigners to buy a house in Shanghai:

In Shanghai, you have a tax payment certificate of more than 1 year, or you have paid social security of more than 1 year, or the business license of an enterprise as a legal person has reached 1 year. Just meet one of the three conditions. If it involves provident fund loans, you must pay the provident fund in Shanghai for more than half a year.

Procedures for applying for mortgage loans:

1. Choose real estate

If home buyers want to get mortgage services, they should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm that the real estate developed and built by developers has been supported by banks to ensure the smooth acquisition of mortgage loans.

Step 2 apply for a mortgage loan

After confirming that the property you choose has bank mortgage support, the property buyers should know about the bank's regulations on mortgage loan support for property buyers from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the mortgage application and relevant legal documents submitted by the buyers, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the buyers meet the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a loan contract

After signing the purchase contract and obtaining the payment voucher, the purchaser signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and stipulates the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require home buyers to apply for personal and property insurance in order to prevent loan risks. When purchasing insurance, the purchaser shall designate the bank as the first beneficiary, and the insurance shall not be interrupted during the payment period, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

6. Open a special repayment account

After signing the building mortgage loan contract, the purchaser opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. After the bank confirms that the purchaser meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser.

What do foreigners need to drive a taxi in Shanghai?

According to the relevant regulations of Shanghai, foreigners are not allowed to drive taxis in Shanghai, but some enterprises can help with all kinds of formalities, but at least they must know Shanghai dialect and be familiar with the traffic conditions in Shanghai. They must have an ID card, Shanghai real estate license (copy), driver's license, Shanghai people's guarantee and qualification certificate, and they must have more than three years' driving experience to drive a taxi in Shanghai. Taxis in Shanghai generally don't recruit foreigners, on the one hand, for the local people's employment crisis, on the other hand, because Shanghai locals are familiar with the terrain, and sometimes it is more convenient for customers in Shanghai to talk.

What conditions do foreigners need to buy a house in Shanghai?

1, married

2. There is no room in Shanghai.

3. Have paid taxes in Shanghai for 5 years.

What are the conditions for foreigners to borrow money to buy a house in Shanghai? Hope to get a detailed answer, thank you!

No problem.

You need to provide your household registration certificate, marital status (marriage certificate or unmarried certificate), income certificate (the certificate issued by a foreign company may need to provide a tax bill, depending on the different requirements of the bank, and some do not need to provide a tax bill. If you are a civil servant, it will be easier and the bank will have higher trust in the information) and ID card.

The loan term is 30 years and the loan ratio is 70% of the house price.

Other procedures are the same as buying a house in Shanghai.

What are the conditions for foreigners to apply for loans when buying a house in Chifeng?

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Two, housing loans must provide information.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General provisions on housing loan business

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

Verb (abbreviation for verb) mortgage loan process

Consultation → Apply for a loan (house buyer) → Review (provide information) → Sign a loan contract and a mortgage contract (bank) → Apply for contract notarization (notary office) → Apply for relevant insurance (insurance company) → Apply for mortgage registration (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repay by the borrower → Cancel the registration of the mortgaged property (all loans are paid off).

What are the requirements for foreign rural hukou to buy a house in Shanghai?

At present, foreign accounts in Shanghai need to provide social security certificates for more than one year. It has nothing to do with rural or urban hukou.

What are the conditions for foreigners to borrow money to buy a car in Shanghai?

At present, car loans are generally handled directly at car dealers, and the down payment ratio ranges from 20% to 50%, and the loan period is paid off within 5 years. No guarantor is required, but the lender is required to have a fixed residence, fixed income and repayment plan. The required procedures are: the original ID card of the lender and the copy of 10 (handling loan procedures); If you are married, you need to provide the original and 5 copies of your lover's ID card. Income certificate issued by the lender's own unit. After the original household registration book and the original real estate license of the lender are selected, discuss the down payment ratio, loan amount and repayment period with the dealer, fill in the loan application form and go through the loan formalities. Then the dealer's car loan staff did it. You just need to cooperate.

The introduction of ID card loans for foreigners in Shanghai ends here.