If you buy a house, if the down payment is not enough, you can make an easy home treasure, which is to give you a loan of 60% of the original house. You can use this money as a down payment, but this money is earmarked and must be used to buy a house. You can check it online.
Question 2: What are the procedures for foreigners to buy a house loan in Shaoxing? If you meet the local purchase conditions, you need to provide an ID card marriage certificate (single certificate or divorce certificate) account book! Proof of income, the bank is flowing! If you need social security to buy a house, please provide proof of social security payment, and hope to adopt it satisfactorily!
Question 3: What are the procedures for Shaoxing Commercial Bank to repay the mortgage at one time? Do you need to go by yourself? Is there an extra charge? It's urgent ! ! 5 points 1, part of personal data: my (husband and wife) ID card, household registration book and marriage certificate.
An important part of income: a certificate issued by a regular unit. If you need personal income, you must provide personal income tax and daily current account details (more than 3 months).
Loan materials: house purchase contract, down payment invoice (receipt)
The specific requirements of each bank are slightly different, which is almost for these.
Question 4: How can Shaoxing commercial loans be converted into provident fund loans? Commercial loans cannot be converted into provident fund loans, and only the provident fund can be used to charge the mortgage. Another way (informal) is to make a fake renovation contract provident fund to decorate the loan and use the borrowed money to pay off the commercial loan. If the location of the house is ok, you can generally borrow 654.38+10,000 yuan. Moreover, the interest rate of provident fund renovation loan is the same as that of provident fund mortgage loan, but this kind of loan needs a little handling fee, which is generally around 0.3%.
Question 5: I am a foreigner and bought a house in Shaoxing. I want to use my house as collateral. What is the procedure for the bank to ask?
Question 6: What are the conditions for a loan? General bank loans need to be mortgaged.
If you don't need a mortgage, I only know Alibaba's Ali loan.
Conditions for applying for network joint guarantee loan
(1) industrial and commercial registration is located in Hangzhou, Jiaxing, Huzhou, Shaoxing, Taizhou, Wenzhou, Jinhua, Lishui, Quzhou, Zhoushan and the counties and cities under its jurisdiction;
(2) Enterprises with industrial and commercial registration period of 18 months or legal representative (or actual manager) engaged in the current industry for more than 5 years (including 5 years) can apply.
(3) Operating non-loss-making enterprises in the previous year;
(4) At present, the branches of China Construction Bank have no loan balance (if they have borrowed from China Construction Bank, they have been paid off, and they are deemed to have no loan balance). If there are still loans in use or not paid off in CCB, they must be settled before they can apply for network joint guarantee loans;
(5) A consortium can be formed, and there should be at least 3 enterprises in the consortium (a consortium can be formed after being registered separately). Among them, the joint venture is a non-affiliated enterprise, that is, there is no equity relationship between the two, nor is it a direct relative of three generations and a collateral relative of two generations. In addition, according to the requirements of CCB, the joint venture company must be in the same county-level city.
Special reminder: Non-Alibaba members, ordinary members, members of TrustPass, and members of China suppliers can come to register, but enterprises that have obtained loans must have membership of TrustPass or China suppliers before they can borrow from banks.
Question 7: Regarding the issue of handling three certificates after buying a house with a loan in Shaoxing, and the original contract is not in my hand, you can copy the house purchase contract at the developer before handling the property right, and ask the developer to stamp the copy and briefly explain the situation. The loan contract may be taken back by the developer and notified to the owner after the bank loan. If the loan contract is not taken, you can ask the loan bank for a copy of the loan contract (this may not be stamped, because the bank's chapter control is still relatively strict, and it can be stamped under normal circumstances. )。
For the real estate license, you can go directly to the local ownership registration center to check whether the real estate license of your house has been handled. If it has been handled, the fees for handling the license will be formally invoiced by the relevant departments, such as deed tax and registration fee. It is generally no problem to settle accounts according to official invoices, as long as you pay attention to what receipts the developers come up with. Be sure to make an official invoice, which indicates what the fee is and which department received it.
Question 8: Is there any bank in Shaoxing that can provide decoration loans? Decoration loan:
Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. The consumer loan here refers to the loan term.
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1. Have local permanent residence and legal and valid identification;
2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.
3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.
4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again);
5. Other conditions stipulated by the Cooperation Organization.
Application material
Lenders applying for renovation loans generally need to provide the following materials to the bank:
1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;
3, housing provident fund deposit certificate;
4. Real estate certificate of real estate mortgage (required for mortgage loan);
5. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
6. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;
7. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;
8. Other conditions required by banks or financial institutions.
Question 9: What is Shaoxing's provident fund loan policy? What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Provident fund loan process:
1. The borrower applies for a loan at the acceptance branch;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.
Question 10: Which bank does Shaoxing Personal Loan borrow from? What is the purpose of your loan?
When applying for a loan, you need to provide a certificate of the use of loan funds, which is subject to the certificate of the use of loan funds provided by you. What proof of the use of funds do you need to provide for the loan you are applying for at present? For example, if you provide renovation contract, it will be treated as a decoration loan. If a car purchase contract is provided, it shall be handled as a car loan. Please provide the specific purpose of your current loan, and I will help you confirm whether China Merchants Bank has opened the corresponding loan business.
If you have any other questions, please visit the "Customer Service Online" of China Merchants Bank (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your attention and support!