Shanghai second-hand housing loan policy conditions: 1, natural persons with the age of 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed, and the actual operating age should be between 22 and 65 years old. Too young or too old to be approved. 2. The borrower's actual age and loan application period shall not exceed 70 years old. 3. The longest loan period shall not exceed 30 years, and the longest loan period for commercial housing shall not exceed 10 year. : processing flow
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
(China Construction Bank)
Withdraw funds
There are two main ways to withdraw loans:
After the direct withdrawal loan contract comes into effect, the borrower will directly transfer the borrowed money into the deposit account opened in the loan bank according to the payment plan agreed in the contract.
Special withdrawal. After the loan contract comes into effect, the borrower will entrust the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or several times according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents. Housing provident fund loans should take the form of special extraction.
Mortgaged goods
1. Houses and other fixed objects on the ground owned by the Mortgagor.
2. The right to use state-owned land obtained by the mortgagor according to law.
3. Property stipulated by other laws recognized by the lending bank.
4. Voucher bonds.
5. National key construction bonds.
6. Financial bonds.
7.AAA corporate bonds.
8. Securities such as certificates of deposit.
9. Personal housing loan guarantee
Both legal persons and individuals can provide guarantees for individual housing loans. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan on his behalf and open a deposit account in a bank. As an individual, the guarantor must have a fixed source of income, have sufficient repayment ability and have a certain deposit in the bank.
How much is the down payment for second-hand houses in Shanghai?
The down payment for second-hand houses in Pudong, Shanghai is not less than 50%.
For ordinary self-occupied housing, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. The down payment ratio of the second home in Shanghai is that residents buy the first home, that is, residents have no housing in this city and no commercial housing loan records, or provident fund housing loan records apply for commercial personal housing loans.
Those who already own 1 apartment in this city, or have no housing in this city but have housing loan records, including commercial or provident fund housing loan records, apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, which belongs to the application for buying two suites.
Although there is no housing in Shanghai, there are commercial housing loan records or provident fund housing loan records, which also belong to the second suite.
Shanghai
China is a national central city, a megacity, a core city of Shanghai, Hangzhou and Ningbo, an international economic, financial, trade, shipping and scientific and technological innovation center, and one of the first coastal open cities. Located at the mouth of the Yangtze River, Shanghai is the leading city in the Yangtze River Economic Belt, facing Kyushu Island across the sea, Hangzhou Bay in the south and Jiangsu and Zhejiang provinces in the northwest.
In the Jin Dynasty, because fishermen created a fishing tool "Hu", the place where the river flowed into the sea was called "Hu", so the lower reaches of Songjiang were called "Hu", and later it was changed to "Hu", so Shanghai was called "Shanghai" for short. In the third year of Xianchun in the Southern Song Dynasty (A.D. 1267), a town named "Shanghai Town" was set up in Puxi, Shanghai.
Proportion of second-hand housing loans in Shanghai
Shanghai second-hand housing loan ratio: the down payment ratio of the first second-hand housing loan is 30%, and you can apply for 70% bank loan from the bank. The down payment ratio of second-hand housing loans is raised from 60% to 70%, and the requirement of applying for 30% bank loans from banks can be implemented. But generally speaking, buyers can negotiate with merchants to determine the down payment ratio of second-hand housing loans, which can generally be around 2-30%.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. 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 concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
Program flow: 1. The borrower fills in the application for housing mortgage and submits the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; 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 borrowers 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. The loan applicant repays the loan on a monthly basis.
Can a second-hand house in Shanghai be loaned?
Second-hand houses in Shanghai can be loaned. Second-hand houses in Shanghai can apply for mortgage loans, but they need a stable job and a stable residence, and they also need the ability and awareness of repayment. In addition, it is required that the credit investigation is not overdue, so the loan will be easier.
Shanghai second-hand housing loan policy
First, the latest policy of second-hand housing loans in Shanghai
Shanghai second-hand housing loan conditions:
1. natural person with age 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed), and the actual operating age should be between 22 and 65 years old. Too young or too old to be approved.
2. The borrower's actual age plus the loan application period shall not exceed 70 years old.
3. The longest loan period shall not exceed 30 years, and the longest loan period for commercial housing shall not exceed 10 year.
4. Both rural hukou and collective hukou can apply for housing mortgage loans. The down payment for the first commercial house with the first home loan (with a property right of 70 years) is 20% (20%) of the total purchase price or assessed value (whichever is lower). The down payment for commercial real estate (40-year or 50-year products) is 50% (50%) of the total purchase price or the appraised value (whichever is lower). A family with a second home loan consists of three kinds of people, i, spouse and minor children. As long as a family has an outstanding mortgage, it is called a second loan to buy a house.
In order to improve their living conditions, a pair of families who own/kloc-0 apartments and have settled the corresponding housing loans apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.
In the second case, households that already own a commercial mortgage loan 1 apartment and the corresponding housing loan has not been settled, in order to improve their living conditions, apply for a commercial personal housing loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
Reminder: If you buy a second-hand house, you need to evaluate the house purchased before the loan, and the evaluation value will be lower than the market transaction price, so the specific amount of down payment shall be subject to the price of the evaluation value. Provident fund loans 1 housing families, in order to improve their living conditions, apply for provident fund loans again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently stipulate the minimum down payment ratio of the second set of provident fund loans.
Reminder: There are restrictions on the maximum loan amount of provident fund loans in various regions. For example, the maximum loan in Beijing is 1.2 million. Therefore, in the calculation of down payment, it is necessary to make a comprehensive judgment according to the specific loan amount. At the same time, if the loan amount is not enough, cities that can use provident fund portfolio loans, it is best for everyone to buy a house by means of provident fund portfolio loans. Third home loan banks and provident fund management centers do not accept third home loans.