The procedures for applying for individual housing loans are as follows:
1. To apply for a loan from a bank, submit the following materials:
1. Original and photocopy of ID card (referring to resident ID card, household registration book and other valid residence certificates). Foreigners also need to provide valid certificates and copies of their spouses, and marriage certificates if the borrower and spouse are not in the same household registration book;
2, 30% of the house price, 40% or more of the foreign self-raised deposits, and the economic income certificate issued by the work unit with the ability to repay the loan;
3. Ask the selling unit for: a. A copy of the pre-sale permit of domestic commercial housing in Shanghai (forward delivery) or a copy of Shanghai real estate ownership certificate (existing house). B. A copy of the business license of the sales unit;
4. List of collateral or pledge, certificate of ownership and certificate that the person with the right to dispose of it agrees to mortgage or pledge;
5 collateral appraisal certificate issued by the competent department;
6. The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;
7. To apply for a housing provident fund loan, a certificate issued by the housing provident fund management department is required;
The above-mentioned "outsiders" refer to the staff from other provinces and cities who come to Shanghai. To apply for personal housing commercial loans, the following conditions must be met:
1, at least 18 years old, with full capacity for civil conduct, with the household registration certificate of the place where the local household registration is located, and notarized by the notary department;
2. Have a fixed job in Shanghai for more than two years, and the certificate of position, income and contact address issued by the work unit;
3. Purchase domestic commercial housing in this city, and the purchased housing belongs to the real estate within the scope of the Commercial Housing Sales Loan Cooperation Agreement signed by the real estate development enterprise and the bank (department);
4. If a deposit account is opened in a loan bank, the deposit balance shall not be less than 40% of the purchase price as the down payment for the purchase.
Second, the loan amount and duration
1. For residents in this city, the maximum loan amount is 70% of the house price, and the longest loan period is 20 years.
2. For foreigners, the maximum loan amount is 60% of the house price and does not exceed 300,000 yuan, and the longest loan period is 10 year.
Third, the loan bank review
The loan bank examines the materials and certificates provided by the borrower, mainly to examine whether the borrower belongs to the borrower, whether it meets the loan conditions and whether it has enough ability to repay the loan principal and interest, and then determine the actual loan amount and inform the borrower of the loan commitment.
Fourth, sign a contract.
1. The borrower, the loan bank and the house selling unit (guarantor, the guarantee period is until the borrower's real estate license is handed over to the loan bank for safekeeping) sign a personal housing commercial loan contract.
2. The borrower signs a housing mortgage contract with the loan bank.
Verb (abbreviation of verb) notarization of house mortgage contract
Go to the local notary office to notarize the mortgage contract, and the notarization fee shall be borne by the loan bank.
Six, for real estate mortgage registration
With the housing mortgage contract notarized by the notary office, go to the district or county real estate registration department where the purchased house is located and bring the following information:
1. Power of Attorney and Application for Registration of Other Rights in Real Estate sealed by the bank.
2. The mortgage contract and loan contract notarized by the notary office.
The mortgage registration fee shall be borne by the borrower.
Seven, for the purchase of housing insurance procedures.
After receiving the borrower's housing mortgage registration certificate [Shanghai Real Estate Other Rights Certificate (faster delivery) or the receipt from the real estate registration department (existing house)], the loan bank will handle the insurance business for the borrower, and the insurance expenses will be paid according to the provisions of the insurance company and borne by the borrower.
8. Handling loans
After the above procedures are completed, the bank will allocate the loan to the house selling unit purchased by the borrower.
The next thing is to repay the bank loan in installments. After the repayment period, you can get the mortgage certificate with the settlement certificate issued by the bank, and go through the mortgage cancellation formalities at the original real estate registration department.
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