Shanghai housing mortgage loan.

What are the requirements for housing mortgage consumer loans in Shanghai?

Consumer loans include unsecured consumer loans and mortgage consumer loans. Unsecured consumer loans generally require higher personal income and credit conditions, but the amount is low. If you want to apply for a large consumer loan, you generally need to use a mortgage. Then, what conditions do Shanghai housing mortgage consumer loans need? Shanghai housing mortgage consumer loans need two conditions, one is the borrower, and the other is the housing provided by the borrower.

Borrower conditions

The loan conditions that individual borrowers of Shanghai housing mortgage consumer loans need to meet;

1. Age requirement 18-65 years old;

2. Have a stable job and income;

3. Good credit record.

Mortgage housing conditions

1. Age requirement: the longest age should not exceed 20 years;

2. Valuation requirements: not less than 654.38+0 million;

3. Location of collateral: Shanghai urban area;

4. Types of collateral: ordinary houses, villas, office buildings, etc.

Different banks in Shanghai attach different conditions to housing consumption mortgage loans. For example, the personal consumption mortgage loan of Guangfa Bank has requirements for the area of the house, requiring at least 70 square meters. You can consult the loan bank for details.

Extended condition

Which houses can't be mortgaged

What are the additional fees for mortgage loans?

How about the mortgage loan of CITIC Bank?

How to handle Shanghai real estate mortgage loan?

Hello, there may be some small situations different from other places, but on the whole, the whole country is similar. In a big city like Shanghai, the procedures will be more perfect and the requirements will be stricter. The specific treatment method is:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;

5. Open a personal settlement account in China Industrial and Commercial Bank;

6. Other conditions stipulated by the bank.

When applying, the materials that the lender needs to prepare are divided into the following categories:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide proof of stable income source: bank flow sheet, labor contract, etc.

3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other information stipulated by the bank.

But in the bank, the requirements are really strict, brother. I have borrowed it from Sina, which can alleviate some urgent needs. A journey of a thousand miles begins with a single step.

How to borrow money to buy a house in Shanghai

Living in a big city is stressful. For various reasons, mortgage loans are needed to alleviate the current situation, but Shanghai real estate mortgage also meets the requirements. Then, do you know how to get a mortgage loan in Shanghai and what to pay attention to in mortgage loan? Now let's take a look.

First, how to apply for a mortgage loan when buying a house in Shanghai

1, housing mortgage loan, you need to find a legal financial institution first, or apply for a loan directly from the bank; 2. After the loan materials are submitted, the staff will conduct a preliminary examination. If the conditions meet the specified needs, evaluate the property; 3. Lenders and lending institutions should further communicate, negotiate loan amount, interest rate and term, and sign loan contracts.

Second, what should be paid attention to in housing mortgage loan?

1. The property mortgaged by the borrower must be settled. If you want to apply for a loan, but the mortgage has not been paid off, you can't apply for a mortgage again. In addition, for example, units that build houses on rural homesteads and have not changed into personal property rights cannot apply for mortgage loans, and banks will not approve them.

If you want to apply for a loan in the bank, then the house also needs to meet the specified requirements. Usually the area of the house needs to be more than 50 square meters, and the age of the house should be kept below 20 years. However, in different banks, the requirements for housing are different, and banks will also arrange special personnel to conduct on-the-spot visits to houses, and then determine whether they can be mortgaged.

3. The purpose of the loan needs to be legal and reasonable. Borrowers should not make loans on the grounds of high-risk investment, but it is ok to use them for car purchase, tourism and other consumption. In addition, the use of loan funds shall not be changed without authorization.

Here, let's first introduce how to handle housing mortgage loans in Shanghai and the matters needing attention in handling housing mortgage loans. You got it? Housing mortgage loans need to prepare sufficient materials, and then go to the designated bank for processing, which can speed up the processing.

What percentage of real estate mortgage loans in Shanghai?

70%

On the other hand, 70% of the real estate assessment price can be the highest mortgage loan, and 70% of banks definitely need you to have a spare room. If the deposit is not approved, the bank will suspend the acceptance at present, and the loan can only be accepted after the full down payment. 3.5% for the first set and 50% or 70% for the second set) 2. The first suite of provident fund loan: ① No housing and no loan in Shanghai (no loan means no record of provident fund loan in Shanghai). ② Both husband and wife

Benbenniu's one-stop professional loan service platform provides you with loan services such as Shanghai personal loan, Shanghai bank loan, Shanghai mortgage loan, Shanghai housing loan, Shanghai company loan and automobile loan, among which personal commodity residential mortgage loan accounts for the highest proportion, reaching 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The highest proportion of factory mortgage loans is only 50%

The houses in Futian, Nanshan and Luohu are the best. Generally speaking, the mortgage loan is 70% of the appraised price, and the highest loan can reach 85%. The loan amount in Shanghai is generally less than 6.5438+0.5 million for individuals (8 million for some banks) and 30 million for enterprises. But most of them have to apply in the name of legal person or shareholder. The loan amount applied for is the root.

Individual banks can lend up to 80% to "good people and good houses", which is the highest mortgage credit line product at present. Under what circumstances did you achieve the highest? What is the maximum loan? When applying for a mortgage loan from a bank, if a guarantee company is involved, the final amount is 1. Single amount: the maximum amount of one mortgage150,000, and the maximum mortgage rate is 85%; 2. Loan interest rate: the annualized interest rate is as low as 3.55%; 3. Loan term: The longest loan term is 10 year after interest, and the loan is a 20-year revolving loan with equal principal and interest; 4. Repayment method: interest first, then principal, and equal principal and interest, so as to borrow and repay the loan; 5. Similar

An artificial number: pin296, welcome to consult. Three people agree with this article. What is the maximum loan for real estate mortgage? Generally speaking, the highest mortgage loans for bank real estate are 70% for houses, 60% for villas, and 50% for shops, office buildings and commercial houses. Of course, if the mortgage loan amount of a house in Shanghai is 1, and the mortgage loan amount depends on the property value, then a normal commercial house can borrow up to 70-80% of the property value. If it is a villa, facade, apartment, factory building, you can only borrow about 50%. The cycle of Shanghai real estate mortgage loan can be several years.

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.