1. Clients of Shanghai Bank's real estate mortgage loan:
1. China citizens or residents of Hong Kong, Macao and Taiwan who have reached the age of 18 and have full capacity for civil conduct;
2. Foreign individuals who have worked in China for more than one year and own local real estate in China.
Second, the conditions of Shanghai Bank's real estate mortgage loan:
1. Have a stable economic income (the working time is required to be more than one year, and the existing job is required to be continuous for more than one year when applying for a loan);
2. Agree to handle personal credit investigation and housing mortgage, and Shanghai Bank agrees to handle notarization of relevant transaction contracts and loan contracts when it deems it necessary;
3. Other conditions stipulated by Shanghai Bank loan handling bank.
III. Materials to be submitted for Shanghai Bank's real estate mortgage loan:
1. Identity certificate, household registration book/household registration certificate and marital status certificate;
2. proof of income, income substitute, proof of assets, etc.
3. Pre-sale (sale) contract and prepayment invoice (prepayment receipt);
4. Property certificate of transaction house, copy of household registration book and property certificate of mortgaged house;
5. Application materials deemed necessary by other banks.
Extended information
Loan process
1. Before lending, the borrower fills in the application for residential housing mortgage and submits the following supporting materials from 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 borrower's legally valid identity certificate;
(4) the certificate of ownership of the house or the certificate that I have the right to control the house in accordance with the 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 housing;
(6) Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, house purchase contract, agreement and relevant materials.
3. The borrower submits the certificate of title and insurance policy or securities of the mortgaged property to the bank for custody.
4. Guarantors of both borrowers and 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 house selling unit or building unit specified in the house purchase contract or agreement.
6. loan settlement, which includes normal settlement and early settlement.
(1) normal settlement: the loan is settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);
(2) early settlement: before the maturity date of the loan, if the borrower settles the loan in part or in whole, he must apply to the bank in advance according to the loan contract, and the bank will make repayment at the designated accounting counter after approval.
after the loan is settled, the borrower should take back the legal documents and relevant supporting documents taken into custody 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.
Baidu encyclopedia-housing mortgage loan