Second-hand houses in Shanghai can apply for mortgage loans.
Information to be provided for mortgage bank loans:
Personal identification, household registration book, proof of residential address and proof of marital status.
◆ Personal income certificate or asset status certificate.
◆ Proof of property right of mortgaged house.
◆ If the applicant mortgages other people's property, it is also required to provide the ID card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage.
Mortgage bank loan process
◆ The borrower applies and submits relevant materials.
◆ Conduct real estate appraisal and pre-loan investigation and approval.
◆ Pass the examination and approval and go through the mortgage registration formalities.
◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.
◆ Settle the loan principal and interest and recover the mortgaged house.
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Second, Shanghai second-hand housing loan policy
First, the latest policy of Shanghai's second-hand housing loan Conditions of Shanghai's second-hand housing loan: 1. Natural persons with age 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed) 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.
3. How can I confirm whether I can apply for a bank loan before buying a second-hand house in Shanghai?
First of all, I will give you an overview of the process of second-hand housing loans.
Second-hand housing loan process
1. application
Shanghai second-hand housing buyers and sellers bring relevant materials to the bank for formalities. Get the second-hand housing personal loan application form first and fill it in completely and accurately. After filling it out, give the application form and all the materials to the staff for review. After the initial assessment by the staff, it will take one day to give a general loan.
Step 2 evaluate
Previously, the three parties agreed that the bank would contact the designated evaluation agency for evaluation. Then start the evaluation in the appointment room. Comments on the housing appraisal report. The counterparty needs to pay the evaluation fee. The evaluation time is inconsistent, usually 3 to 5 days. hush
3. Approval by bank staff.
Bank staff will examine the qualifications of applicants. In line with the conditions, the bank will evaluate the price of second-hand housing in Shanghai and approve the loan amount and term according to the lender's qualification. Generally speaking, the approval process takes about 5 working days, and the approval speed of a written bank will be faster.
4. Transfer of ownership
The buyer pays the down payment to the seller after approval. Then the two parties and the staff of the bank hold the down payment certificate, the bank's mortgage application review commitment and other materials to the real estate exchange for the transfer of housing property rights. The transfer is completed on the same day, and you can get the real estate license in about 20 working days.
5, real estate mortgage registration, insurance procedures, bank loans
After receiving the real estate license, the buyer will pay the money in the designated bank account that needs to go through the mortgage registration and loan issuance procedures, and the buyer will start to repay the current period on schedule according to the contract.
Second-hand housing loan approval standard
1, credit history (including whether there are overdue repayment records, water, electricity and coal)
2. The loan information is complete.
3. Is the loan information true?
4. Repayment ability
5, debt is too high
6. Bank running records
How to check the loan progress
1. To check the progress of the loan, you can consult our bank staff who handle the loan. Generally, these loan officers should be able to help us inquire. The bank itself can receive the loan within five working days, and the bank staff will inform us in time.
2. Another consultation, because the loan department of the bank has special experience in this kind of consulting information, you can ask directly by telephone, and the manager of this bank will ask us the specific situation and then tell us the specific matters.
The last method is online inquiry. At present, some banks have opened the online loan inquiry function. You can log in to official website of your bank, check the payment progress catalogue on the right, and then inquire according to your processing date.
How to remedy the rejection of mortgage application?
There are mainly the following remedial measures:
1. Buy a second-hand house in Shanghai to increase the down payment, reduce the loan application amount, prepare all the materials, and then apply for a loan from the bank.
2. Different banks have different provisions on loan conditions. If you are refused a loan in one bank, you can try another bank.
If the bank still doesn't agree, you can apply for a loan after looking for a guarantee company. If you submit the materials through a professional loan intermediary, it will often lower the loan threshold and may also increase the chances of loan approval.
4.202 1 How long can the loan be released after the second-hand house in Shanghai is transferred?
Second-hand housing can also be loaned, but the applicant needs to evaluate the house and then lend according to the evaluated value. Then, how long can the second-hand housing loan be released after the transfer?
Second-hand housing loans are generally released about 20 working days after the transfer. Assuming that all the information is complete, the procedures are complete, and the loan reason is sufficient, the mortgage loan process will go down quickly, which generally takes more than 20 working days.