You can go to the four major banks of China Construction Agriculture and Industry in Shanghai. It is best to apply for an ant loan conveniently and quickly, and the bank loan is mortgaged for a long time!

Can a married party with Shanghai household registration apply for a housing loan?

Married citizens with Shanghai household registration apply for loans (provident fund and bank loans), and one party cannot borrow separately. Both the lender and the loan insurer need the signature of both husband and wife. Because the property purchased by the loan is the property of both husband and wife.

Can non-Shanghai hukou and Shanghai hukou get married and buy a house and write two names to get more loans?

You can write the names of two people, but regardless of the name of either husband and wife, it is the same property of husband and wife.

There are three main cases of adding name and handling fee to real estate license:

The first case: there is a house without a loan.

The processing flow is:

1. Bring the originals and copies of the three certificates (marriage certificate, ID card and real estate license).

2. Go to the real estate trading center in the area where the house is located, and let you know in the pre-inspection window that you are here to apply for the real estate license and add your spouse's name. The window staff will review the submitted materials, give you a number if the materials are complete, and then take the number to the relevant window.

3. Fee for adding the name of the real estate license: 1 10 yuan handling fee. The details are as follows: 80 yuan production fee, 25 yuan cadastral map fee and 5 yuan sticker fee. If you succeed in 20 days, you can get a new real estate license.

4. You can set a password for the new real estate license, and the real estate trading center will inform you of an initial password, which can be changed later.

The second situation: there is a house and a loan.

1. Go to the bank to handle the mortgage change procedures first (please consult the bank for details).

2. Fee for adding the name of the real estate license: In addition to the above-mentioned 1 10 yuan, if it is a pure provident fund loan, an additional fee of 100 yuan is required; If the loan is in the form of portfolio (provident fund commercial loan), it shall be paid separately to 200 yuan.

3. Other steps are the same as "having a house without a loan".

The third case: if you are not married or have no direct blood relationship, you need to add your name to the real estate license, which will be much more complicated, because it will be regarded as a house sale and you need to pay the following fees.

1, 2.5 yuan transaction fee per square meter.

2. If it is less than 5 years, 5.5% business tax plus 1% personal adjustment tax (the time period is from the date when the real estate license is issued to the end of the trading day), and it is not needed for 5 years.

3. Stamp duty of five ten thousandths.

4. This contract is in 5 yuan (different trading centers in different districts).

When the man transfers 50%, all taxes are calculated according to the market price. If the house with 654.38+0 million yuan is worth 500,000 yuan.

6. If several people transfer the title certificate, the rights and interests of the title certificate shall be divided equally.

Property ownership certificate (Property Ownership Certificate) A certificate that a property buyer obtains the legal ownership of the house through transactions and can exercise the right of possession, use, income and disposal of the purchased house according to law.

Can my wife apply for a loan separately when buying a house in Shanghai?

You can borrow it yourself.

The house purchased during the marriage relationship, but there is no clear agreement between husband and wife, and only one person's name is written on the real estate license, which should be recognized as the joint property of husband and wife, so even if a person borrows money to buy a house without clear agreement, it is the same property after marriage. If you divide it later, you will still divide it into * * *.

Can I buy a house with my girlfriend before marriage here in Shanghai?

According to the current housing policy in Shanghai, two unrelated people (you and your girlfriend are not married, legally considered as two independent individuals) need to have a production license and be qualified to buy a house;

So you can't borrow money to buy a house before you marry your girlfriend.

I hope my answer is helpful to you, and I wish you a happy life!

How much provident fund can a couple borrow in Shanghai?

If you apply for individual housing provident fund loan in China Bank, the amount of provident fund loan is as follows:

1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.

2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan (500,000 yuan per person).

Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.

3. For details, please consult the provident fund loan business handling outlets or the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.