Shanghai has introduced some purchase restriction policies to regulate the real estate market. So what's the new policy of Shanghai loan to buy a house now? What are the precautions for buying a house in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

First, the new policy of Shanghai loan to buy a house

1. The down payment ratio of the first suite without house or loan in China is 35%.

2. There is no house and no loan in Shanghai, and it is the first suite to have a house and no loan in other places.

3. If you have a house without a loan in Shanghai, you can count it as a second suite.

If you have a house and a loan in Shanghai, you can count it as a second suite. The down payment for the second suite is 50% for ordinary housing and 70% for non-ordinary housing.

Second, matters needing attention in buying a house in Shanghai

1, we must first determine the goal of buying a house. Before buying a house, you should have a reasonable plan and choose the right location and property according to your own budget.

2. Screen the scope of buying a house. Choose a suitable building according to your actual situation. When choosing a house, we should consider the area of the house, surrounding facilities, traffic conditions, price and other factors. Some newly opened small-sized houses are comfortable to live in and reasonable in size, so the future profit space is relatively large.

3. Buying a house in Shanghai should also consider the daily travel cost. Try to choose a place close to the workplace or with convenient transportation, which can not only save working hours, but also save transportation costs, which has also been a lot of money over the years.

4. Learn the common sense of buying a house. Before buying a house, it is necessary to know some basic knowledge of real estate, because the amount involved in housing transactions is huge. Learning some common sense of real estate can help you find a satisfactory and suitable house and protect your rights and interests.

5. Consider children going to school. When buying a house, we must consider the children's future schooling, and find out what schools have carved many houses, so as not to worry about schooling at that time.

Abstract: The above is the new policy of Shanghai loan to buy a house and some matters needing attention introduced by Bian Xiao, hoping to help some friends in need.

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.