Personal mortgage loan of HSBC
The down payment ratio of HSBC's personal mortgage loan is 30%, the longest term of first-hand real estate loan is 30 years, and the longest term of second-hand house is 20 years. The regulations of HSBC are relatively loose, with the maximum loan for first-hand and second-hand apartments being 70% and the maximum loan for villas being 60%.
In terms of interest rate, foreign banks don't only charge 2.5% mortgage interest rate. According to the benchmark loan interest rate of 7. 1 1% issued by the central bank, citizens with good credit rating can get a maximum discount of 8.5%, that is, the loan interest rate is 6.0435%.
The review of personal loans of foreign banks depends on many supporting materials. Take HSBC as an example. When employees of enterprises and institutions apply for a mortgage, in addition to proof of identity, proof of income and proof of residence address, the applicant also needs to submit a tax payment certificate for the past year.
HSBC
Hongkong and Shanghai Banking Corporation Limited is a foreign-funded bank. The Chinese literal translation is "The Hongkong and Shanghai Banking Corporation Limited", with the English abbreviation of HSBC and the Chinese abbreviation of "HSBC", which means "abundant remittance".
The Hongkong and Shanghai Banking Corporation Limited is a wholly-owned subsidiary of HSBC Holdings Limited, which is a founding member of HSBC Group and its flagship in the Asia-Pacific region. It is also the largest registered bank in China Mainland and Hong Kong, and one of the three largest note-issuing banks in China Mainland and Hong Kong (the other two are Bank of China (Hong Kong) and Standard Chartered Bank). Headquartered in the headquarters building of Hongkong and Shanghai Banking Corporation,No. 1, Queen's Road Central, the Hongkong and Shanghai Banking Corporation and its subsidiaries have set up about 700 branches and offices in the Asia-Pacific region.
The main business of HSBC China Branch can be divided into two categories:
First, corporate banking, including project loans and real estate loans, import and export bills and bill collection, securities custody and B-share business, foreign exchange fund arrangement, etc.
Second, retail banking business, such as deposit account, remittance, traveler's check, credit card, merchant service, etc. HSBC Shanghai Branch also provides services such as real estate mortgage loans to customers.