Shanghai Real Estate Mortgage Loan Zhihu

Shanghai Housing Mortgage Bank Loan Policy

Bank housing mortgage loans mainly investigate mortgaged properties from three aspects:

1. Housing age, first-hand housing for 2 years, second-hand housing for 15 years;

2. The property ownership problem needs to be a property with clear property rights and complete certificates, and the written signature of the owner of the property agrees to mortgage;

3. The liquidity 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 to get a mortgage loan for a house in Shanghai

1. Houses with the same price will also have different loan amounts when handling mortgage loans, because the factors that determine the loan amount are the house and the lender itself. Under normal circumstances, the mortgage rate of commercial housing in Shanghai can reach 7%, the mortgage rate of shops and office buildings in Shanghai can reach 6%, and the mortgage rate of industrial plants can reach 5%. There are many factors that affect the amount of real estate mortgage loans in Shanghai. The appraisal value of real estate is the main reason that directly affects how much money can be borrowed from Shanghai's 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 them can only borrow half the value of real estate assessment; If you have multiple properties, you can borrow 7~8% of the value of real estate assessment. The amount of personal income will also be included in the scope that affects the loan amount by the bank. 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 from the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and letter of guarantee. After passing the examination, the loan bank promises a loan to the buyer, and handles 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 bank account of the seller 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 legally obtain the lien and pledge right of the borrower's property. In fact, this kind of loan is a kind of loan in which the debtor (mortgagor) transfers the ownership of the property to the creditor (mortgagor) according to law to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, 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 working capital.

what are the advantages of Shanghai Bank's real estate mortgage loan? Is the application threshold high?

loan conditions

Shanghai Bank's real estate mortgage loan is aimed at China citizens or Hong Kong, Macao and Taiwan residents. Its application threshold is not high, as long as it is over 2 years old, with stable income and real estate.

1. The applicant is 2-6 years old and has full capacity for civil conduct;

2. The family income of the applicant is stable and has the corresponding repayment ability;

3. The applicant and his/her spouse have not borrowed a line of mortgage in Shanghai Bank;

4. The mortgaged property is the existing home with local personal property rights owned by the borrower;

5. Other conditions stipulated by the loan handling bank.

Loan advantages

The mortgage loan of Shanghai Bank has a long credit period, up to 1 years, which can be recycled and repaid with the loan. Repayment is flexible, convenient and fast.

1. Borrow it and return it, and recycle it: apply for the quota once, and recycle it many times; During the credit period, borrowers can apply for withdrawal from our bank at any time according to their multiple purposes, such as consumption, tourism, studying abroad and business operation, with simple procedures.

2. Flexible repayment to reduce the pressure: intimate repayment method is provided. According to the actual repayment ability and family financial plan, the borrower and the loan handling bank agree to return the loan principal and corresponding interest at a certain proportion every month, and the remaining principal will be returned uniformly after maturity. The flexible proportion of principal repayment can not only freely arrange family financial expenses, but also reduce the monthly repayment pressure and save loan interest expenses.

3. SMS reminder, mobile housekeeper: provide SMS reminder service, and promptly remind borrowers of loan issuance and repayment due by SMS, so as to avoid overdue repayment and failure to renew in time due to forgetfulness and negligence. Customers who successfully apply for a line loan and reserve the correct mobile phone number can automatically get this service provided by our bank for free.

4. It's convenient and quick to repay if you want: it provides automatic prepayment function. The borrower can choose to apply for automatic prepayment function, and deposit the spare funds into the designated account as needed. After the monthly repayment agreement, the Bank will automatically deduct and prepay according to the balance of the designated account, and the borrower does not need to go to the bank to apply for withdrawal repayment, so the repayment is convenient and quick.

which banks can do real estate two mortgage in Shanghai?

Second-arrival banks, Minsheng, China Merchants Bank, Zheshang, Chouzhou and Ningbo Tongshang Bank are all acceptable, but only one mortgage is a bank mortgage. Every family has different requirements. In addition to banks, there are also some large institutions, and trust companies can also handle them. The interest rate is equivalent to that of banks.

the process of mortgage housing in two mortgage:

1. with the consent of the bank, the seller and the buyer conduct real estate transactions and sign a purchase contract or letter of intent.

2. Apply for a loan from the bank and submit relevant materials.

3. After investigating and checking the borrower's credit standing, the bank shall notify the borrower of the review results. The bank agrees to sign a contract with the borrower and the guarantor, and agrees to sign a supplementary contract for housing mortgage loan with the seller. The loan amount paid by the seller is sufficient to repay the seller's interest and the difference between the loan principal and interest.

4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller.

5. after obtaining the certificate of other rights of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller in the original loan outlet to repay the principal and interest of the mortgage loan owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.

How to handle the real estate mortgage loan of Shanghai Bank

1. The object of the real estate mortgage loan of Shanghai Bank:

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.