Shanghai, a city with rapid development and distinctive features, has attracted many foreign tourists. Some people even have the idea of buying a house. It is not difficult to buy a house, but a series of situations such as buying a house in Shanghai and housing loans should be considered. Interpretation of Shanghai's policy of recognizing housing and loans? How to handle the housing loan in Shanghai? Shanghai, a city with rapid development and distinctive features, has attracted many foreign tourists. Some people even have the idea of buying a house. It is not difficult to think about buying a house, but if you want to buy a house in Shanghai, you must consider a series of situations such as housing loans and have enough understanding of the housing loan policy. Interpretation of Shanghai Housing Loan Policy? How to handle the housing loan in Shanghai?

Interpretation of Shanghai's policy of recognizing housing and loan?

1. Confirming a house means that when defining a second suite, if the borrower has registration information in the local house registration system, the house will be defined as a second suite or above when buying a house again. Loan identification means that when defining the second suite, if the property buyer has registered the information of loan to buy a house in the bank credit information system, then when applying for a loan to buy a house again, the house will be defined as the second suite and above.

2. Loan recognition refers to seeing how many loan records you have, regardless of whether the loan has been paid off. Recognition of housing and loan means that when buying a house with a loan, as long as the borrower has a house or a mortgage record, it will be defined as a second suite or above.

How to handle the housing loan in Shanghai?

1, select real estate. If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Manage mortgage applications. After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract. After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract. After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Apply for mortgage registration and insurance. Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. When purchasing insurance, the buyer shall declare that the bank is the beneficiary, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

Interpretation of Shanghai's policy of recognizing housing and loan? How to handle housing loans in Shanghai, recognizing housing loans is a very basic common sense, and it is also necessary to understand. At the same time, we must understand clearly. After all, like mortgage, it is influential enough in terms of price factors, and it is of course true to see too much. If the loan procedures are not clear, you can also take some time to observe.