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 a 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.
The Loan Policy of Shanghai Mortgage Bank
Bank real estate mortgage loan mainly examines mortgaged real estate from three aspects:
1. Age: 20 years for first-hand houses and 0/5 years for second-hand houses;
2. Property ownership, which needs to be a property with clear property rights, complete documents and written consent of the property owner to mortgage;
3. The mobility of real estate needs to be comprehensively judged according to the geographical location, floor, orientation and surrounding facilities of the real estate. Real estate banks with low liquidity will directly refuse to lend.
How much can I borrow to buy a house in Shanghai?
1. Houses with the same price will also have different loan quotas when handling mortgage loans, because the factors that determine the loan quotas are the houses and the lenders themselves. Under normal circumstances, the mortgage rate of commercial housing in Shanghai can reach 70%, the mortgage rate of shops and office buildings in Shanghai can reach 60%, and the mortgage rate of industrial plants can reach 50%. There are many factors that affect the amount of Shanghai real estate mortgage loan. The appraised value of real estate is the main reason that directly affects how much money can be borrowed from Shanghai housing mortgage loan. The appraisal value of real estate mainly includes the appraisal house type, house area, orientation, location, building years, floors, etc.
2. The amount of Shanghai housing mortgage loan is also directly related to the assets owned by the borrower. If there is only one property, most of it can only be loaned to half the value of real estate assessment; If you have multiple properties, you can borrow 70~80% of the value of real estate assessment. The amount of personal income will also be included in the scope of affecting the loan amount by banks. If the personal income is low, the bank will worry that the borrower's repayment ability is insufficient, and then reduce the loan amount.
1. Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and guarantee. 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 signed between the bank and the buyer. The bank directly transfers the loan funds to the seller's bank account within the time limit stipulated in the contract.
2. Housing mortgage loan is a loan provided by the bank to the borrower through a certain contract in order to ensure the safety of the loan and obtain the lien and pledge of the borrower's property according to law. This kind of loan is actually a loan in which the debtor (mortgagor) transfers the property ownership to the creditor (mortgagor) according to law to obtain a loan. During this period, if the debtor fails to repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and give priority to compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank liquidity.
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 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.