Mortgage to buy a house refers to the way of purchasing houses with purchased houses as collateral.

Treatment conditions

(1) Borrower's requirements

1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

(2) Information to be provided:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

(3) Information required by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Second, the latest purchase restriction policy in Shanghai 2022?

1. individual housing purchase restriction: to buy a house in Shanghai, you must pay social security and individual tax continuously for 5 years.

2. Re-transaction of enterprise commercial housing: it takes 3 years. If the transaction object is an individual, it shall be implemented in accordance with the purchase restriction policy.

1. If a family that already owns 1 suite applies for a commercial personal housing loan to purchase ordinary housing again to improve its living conditions, the down payment ratio shall be no less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.

2. When applying for a loan, buyers should also promise that the down payment is their own funds.

3. What are the housing loan policies in Shanghai?

Calculate how much it will cost to decorate your home.

Shanghai is one of the most prosperous cities in China. Many people dream of owning their own houses here. What are the housing loan policies in Shanghai? What are the requirements for buying a house in Shanghai? What are the requirements for using housing provident fund loans? Let's take a look!

First, Shanghai housing loan policy

At present, commercial loans in most cities still need a down payment of 30%, and the interest rate of loans over five years is 6.55%; And the proportion of housing area less than equal payment can not be less than 20%; For the first family with a housing area of more than 90 square meters, the down payment ratio of loans shall not be less than 30%.

The proportion of Shanghai is not less than 35%, and in the first case, it is not less than 50%, and the interest rate rises 10%. And the purchase is not generally more than 70%; Interest rate rises 10%.

Second, housing conditions in Shanghai

1, the conditions for local people to buy a house

Shanghai, but parents * * * housing; If you have a house under your name, buy a house; If there is no real estate in the name.

2. Conditions for foreigners to buy a house

Foreigners who want to buy a house in Shanghai must get married. If you have a residence permit in Shanghai for more than 5 years and have no room, you must also provide proof that you have paid social security for 5 years in Shanghai. As long as you meet the above requirements, you can buy a house in Shanghai.

Three, Shanghai housing provident fund loan requirements

Property buyers normally have to pay the provident fund for more than six months, and the down payment is more than their income, so they must have the ability to repay their debts.

Bian Xiao concluded: The above is about the conditions and contents of buying a house in Shanghai. If you want to buy a house in Shanghai, you can refer to the above contents. I hope it will be great.

Enter the area and get the decoration quotation for free.

4. What are the housing loan policies in Shanghai?

Calculate how much it will cost to decorate your home. Shanghai is one of the most prosperous cities in China. Many people dream of owning their own houses here. What are the housing loan policies in Shanghai? What are the requirements for buying a house in Shanghai? What are the requirements for using housing provident fund loans? Let's take a look! I. Shanghai Housing Loan Policy At present, commercial loans in most cities still require a down payment of 30%, and the interest rate for loans over five years is 6.55%; With provident fund loans, the down payment ratio of the first suite and families with housing area less than or equal to 90 square meters can not be less than 20%; For the first family with a housing area of more than 90 square meters, the down payment ratio of loans shall not be less than 30%. The down payment ratio of the first suite of Shanghai commercial loans shall not be less than 35%, and the interest rate of the first suite shall be up to 10%; 2. The down payment ratio of this suite shall not be less than 50%, and the interest rate shall rise10%; The down payment ratio for purchasing non-ordinary housing cannot be less than 70%; Interest rate rises 10%. Second, Shanghai housing conditions 1, local housing conditions. Shanghai locals buy a house in their own name, but they have a house with their parents, so they can buy two more sets; If you have a house under your name and a house with your parents, you can buy another one; If you have no real estate in your name and have real estate with your parents, you can buy two houses. 2. Conditions for foreigners to buy a house If foreigners want to buy a house in Shanghai, they must be married. If you have a residence permit in Shanghai for more than 5 years and have no room, you must also provide proof that you have paid social security for 5 years in Shanghai. As long as you meet the above requirements, you can buy a house in Shanghai. Third, Shanghai housing provident fund loans require buyers to pay provident fund for more than six months, with a down payment ratio of not less than 35%, stable income, the ability to repay the loan principal and interest, and no debts that affect the repayment ability. Bian Xiao concluded: The above is about Shanghai housing loan policy, Shanghai housing situation and Shanghai housing provident fund loan requirements. If you want to buy a house in Shanghai, you can refer to the above contents, hoping to help everyone. Enter the area and get the decoration quotation for free.