What is a Shanghai loan?

Shanghai loan is a Shanghai mortgage loan. Loan process and preparation items:

1. List of information provided by people at home and abroad who apply for housing mortgage loans;

2. Type of certificate: residents of this city, residents of other provinces and cities, and foreigners;

3. Proof of Identity The ID card and household registration book (original and photocopy) of the borrower, mortgagor and co-owner of the house, in addition to the ID card and household registration book, provide the original household registration certificate, and Hong Kong and Macao people holding temporary residence permits in this Municipality provide home visit certificates or pass ID cards; Taiwan Province people provide passes, identity cards and household registration vines; Other foreigners provide passports.

4. Marriage certificate Married persons must provide a marriage certificate (original and photocopy); The original unmarried certificate provided by the unmarried person and the original marriage certificate provided by the left married person must go through effective overseas notarization, witness by a law firm or authentication by the China embassy abroad.

5. The income certificate or other assets certificate issued by the income certificate unit is the same as the left.

6. Other materials (provided by banks and law firms): loan application, debit account, proof of the borrower's mailing address, letter of commitment, power of attorney for registration of Shanghai real estate transfer, application for registration of other rights of Shanghai real estate, and consent (the co-owner of the house agrees to mortgage) are the same as the left.

7. Information provided by real estate agent or seller: copy of down payment receipt, copy of pre-sale or sales contract and notarized copy of pre-sale or sales contract.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.