Shanghai Pudong Development Bank has different procedures for handling different loan businesses. Let's take the mortgage of Shanghai Pudong Development Bank as an example to see the loan conditions and process of Shanghai Pudong Development Bank:

1. The basic conditions for Shanghai Pudong Development Bank to apply for a loan are as follows:

2. Be at least 18 years old and have full capacity for civil conduct, and the maturity date of the loan shall not exceed 70 years old;

3. Having a fixed residence or valid residence status in the town where the loan bank is located;

4. Have a legal and stable economic income, good credit and the ability to repay the principal and interest of the loan;

5. A house purchase contract or agreement has been signed, and a down payment of not less than 20% of the total house price has been paid, and the down payment ratio is not less than the requirements of the local supervision department of the loan bank;

6. Guarantee approved by the lender can be provided.

The loan must provide the following information:

1, valid identity document and household registration certificate, marital status certificate and personal income certificate;

2. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior;

3. down payment invoice or receipt;

4. Loan application form (available at the business outlets around the Bank);

5. Other materials required by the bank.

Bidding process: application-bank approval-signing contract-completing formalities (notarization, mortgage, etc. )-loan issuance-customer repayment.

Second, how long does it take for Shanghai Pudong Development Bank to review the mortgage?

Under normal circumstances, it takes 22-25 working days for Shanghai Pudong Development Bank to review the mortgage.

Shanghai Pudong Development Bank Housing Loan Application Process

1. The borrower chooses the house to be purchased;

2. Confirm with the real estate agent that the real estate can apply for a loan from Shanghai Pudong Development Bank to ensure a smooth mortgage loan;

3. Apply for housing loan from Shanghai Pudong Development Bank;

4. Shanghai Pudong Development Bank examines the qualifications and application materials of the borrower, and issues a loan consent notice or a mortgage commitment letter to the purchaser;

5. Both parties to the real estate transaction sign the pre-sale sales contract of commercial housing;

6. The borrower signed a housing loan contract with Shanghai Pudong Development Bank;

7. Apply for mortgage registration insurance;

8. Open a special repayment account;

9. After going through the relevant formalities, transfer the loan to the bank supervision account opened by Shanghai Pudong Development Bank at one time as the purchase price of the buyers;

10. The borrower repays the loan regularly according to the contract.

3. What are the procedures for individual housing loans of Shanghai Pudong Development Bank?

With ID card, marriage certificate, income certificate, house purchase contract and invoice, you can go directly to the mortgage department of the bank, and the consultation telephone number of CCB 95533 will be changed to manual handling.

4. What documents are required for the one-time repayment business process of Zhengzhou Pudong Development Bank? Do you need to do it with the repayment person?

Yes, the process of Shanghai Pudong Development Bank's personal repayment to the bank. You can associate it with a credit card through your settlement account with the same name in Shanghai Pudong Development Bank and deduct the corresponding amount from the repayment account. In order to avoid the failure of deduction, please leave enough balance in your valid settlement account with the same name on the repayment date of the due repayment period.