What are the application conditions for personal commercial housing loan of Shanghai Bank?

1. What are the application conditions of Shanghai Bank's personal commercial housing loan?

1. Self-raised funds for house purchase that meet the requirements of the loan handling bank of Shanghai Bank;

2. Have a stable economic income;

3. Agree to handle the mortgage of personal credit information, and when the bank deems it necessary, agree to handle the notarization of relevant loans and guarantee contracts;

4. The purchased property must be an existing house (or a record form for completion acceptance has been obtained);

5. Other conditions stipulated by Shanghai Bank loan handling bank.

2. What are the application conditions for Shanghai Bank's housing loan? Get these ready!

In addition to state-owned commercial banks, city commercial banks in many cities also have credit business and can also apply for housing loans. If you plan to buy a house, you'd better run more banks and make a comprehensive comparison. Today, let's introduce the application conditions of Shanghai Bank's housing loan.

1. What are the housing loans of Shanghai Bank? 1, personal housing commercial loan, refers to the commercial housing loan issued by the loan handling bank of Shanghai to individuals. 2. Personal housing provident fund loans refer to the provident fund housing loans issued to individuals by the Shanghai Bank loan handling bank on behalf of the local provident fund management department. 3. Personal housing portfolio loan is a combination of personal housing provident fund loan and personal housing commercial loan. When an individual purchases a house, he can apply to the bank for a personal housing commercial loan for the part of the housing provident fund loan that is not enough to pay the purchase price. 2. China citizens or residents of Hong Kong, Macao and Taiwan who have full capacity for civil conduct, have worked in China for more than 1 year, and have purchased self-occupied housing. The application conditions of Shanghai Bank's housing loan are 1, and the age is 18-65. 2. There are self-raised funds for purchasing houses that meet the requirements of the Shanghai Bank loan handling bank; 3. Have a stable economic income; 4. Agree to handle personal credit information and housing mortgage loans, and when the handling bank deems it necessary, agree to handle the notarization of relevant transaction contracts and loan contracts; 5. Other conditions stipulated by Shanghai Bank loan handling bank. Three, housing loan application materials 1, identity documents, household registration book/household registration certificate, proof of marital status; 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.

3. What materials should be prepared for Shanghai mortgage to facilitate the application for housing loan?

The correct name of bank mortgage is house mortgage loan, which means that the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. The proportion of bank mortgage is usually between 50% and 80%, and the term ranges from 65,438+0 years to 30 years. Bank mortgage is the most effective means to promote the real estate market to be active.

At present, there are mainly the following types of loans to buy a house: 1, housing provident fund loans; 2. Personal housing commercial loans; 3. Individual housing portfolio loans.

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden, but what is the difference in specific repayment? Let's make a comparison.

Housing provident fund loans should be handled according to the following procedures:

(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.

(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.

Special reminder: when buying a house, the borrower can go to the bank to calculate the loan amount and monthly repayment amount according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.

Workflow of applying for personal housing loan from the bank;

(1) The buyer shall sign a commodity house pre-sale contract with the developer.

(2) Pay more than 30% of the house price.

(three) to the housing management department for pre-sale registration.

(4) After completing the pre-sale registration, the buyer holds the original contract and fills in the loan application and loan contract.

4. What are the conditions for buying an electric car in Shanghai?

The first task is to meet the requirements. People who buy electric vehicles should have Shanghai household registration or Shanghai residence permit, have paid 1 year social security in the last 24 months, have no Shanghai brand new energy vehicles under their names, have a good personal credit record, have a vehicle driving license, have no illegal road driving behavior in the year before application, and have fixed charging piles. Meet the above conditions and buy an electric car in Shanghai.

Electric vehicles are new energy vehicles, and such vehicles can obtain green new energy licenses.

Electric vehicle is the development trend of future automobiles. Compared with the internal combustion engine, this kind of car has many advantages.

Electric cars are driven by electric motors. There is no unnecessary noise and vibration when the motor is running. Of course, the quietness in the car is better when the electric car is driving.

Electric cars don't need to consume fuel. Of course, electric vehicles also have no exhaust emissions.

The power output mode of electric vehicles is more suitable for driving on stop-and-go urban roads.

The internal combustion engine needs to reach a certain speed to output the maximum torque, but the motor is not used.

When the accelerator pedal of an electric vehicle is directly stepped to the bottom, the motor can directly output the maximum torque.

This is also the reason why the acceleration performance of many high-performance electric vehicles is so rapid.

Electric vehicles are also facing many problems to be solved urgently, such as high battery replacement cost, slow charging speed, broken battery life and so on.