What are the conditions for foreigners to borrow money to buy shops in Shanghai?

What are the conditions for foreigners to borrow money to buy shops in Shanghai?

You can try to apply for a loan through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and choose 3 people to provide customer service -3-3-8 to provide loans, so as to learn more about the city.

Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

What are the loan conditions for foreigners to buy a house in Shanghai

Application materials to be provided:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) The original and photocopy of the borrower's valid passport certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall issue the income range certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

5. Loan term: The maximum validity period of the mortgage line is 5 years, the expiry date of the pledge line shall not exceed the expiry date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.

6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.

Can a foreigner buy a 3 million yuan shop in Shanghai with a down payment?

You can try to apply for a commercial housing loan through China Merchants Bank, and you need to mortgage the purchased commercial housing. Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.

What are the requirements for foreigners to apply for Shanghai?

Generally, if you intend to apply for an individual, you need to meet the following conditions.

1, provide personal identification;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income sources, etc.

What conditions and materials do foreigners need to borrow money to buy a house in Shanghai?

Loan conditions for foreigners to buy a house in Shanghai:

In Shanghai, you have a tax payment certificate of more than 1 year, or you have paid social security of more than 1 year, or the business license of an enterprise as a legal person has reached 1 year. Just meet one of the three conditions. If it involves provident fund loans, you must pay the provident fund in Shanghai for more than half a year.

Procedures for applying for mortgage loans:

1. Choose real estate

If home buyers want to get mortgage services, they should pay attention to 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 that the real estate developed and built by developers has been supported by banks to ensure the smooth acquisition of mortgage loans.

Step 2 apply for a mortgage loan

After confirming that the property you choose has bank mortgage support, the property buyers should know about the bank's regulations on mortgage loan support for property buyers from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

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

4. Sign a loan contract

After signing the purchase contract and obtaining the payment voucher, the purchaser signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and stipulates 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. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require home buyers to apply for personal and property insurance in order to prevent loan risks. When purchasing insurance, the purchaser shall designate the bank as the first beneficiary, and the insurance shall not be interrupted during the payment period, 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.

6. Open a special repayment account

After signing the building mortgage loan contract, the purchaser opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. After confirming that the purchaser meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the bank will transfer the loan to the bank supervision account opened by the winning exhibitor as the purchase price of the purchaser.

What do foreigners need to drive a taxi in Shanghai?

According to the relevant regulations of Shanghai, foreigners are not allowed to drive taxis in Shanghai, but some enterprises can help with all kinds of formalities, but at least they must know Shanghai dialect and be familiar with the traffic conditions in Shanghai. They must have an ID card, Shanghai real estate license (copy), driver's license, Shanghai people's guarantee and qualification certificate, and they must have more than three years' driving experience to drive a taxi in Shanghai. Taxis in Shanghai generally don't recruit foreigners, on the one hand, for the local people's employment crisis, on the other hand, because Shanghai locals are familiar with the terrain, and sometimes it is more convenient for customers in Shanghai to talk.

What conditions do foreigners need to buy a house in Shanghai?

1, married

2. There is no room in Shanghai.

3. Have paid taxes in Shanghai for 5 years.

What are the conditions for foreigners to borrow money to buy a house in Shanghai? Hope to get a detailed answer, thank you!

No problem.

You need to provide your household registration certificate, marital status (marriage certificate or unmarried certificate), income certificate (the certificate issued by a foreign company may need to provide a tax bill, depending on the different requirements of the bank, and some do not need to provide a tax bill. If you are a civil servant, it will be easier and the bank will have higher trust in the information) and ID card.

The loan term is 30 years and the loan ratio is 70% of the house price.

Other procedures are the same as buying a house in Shanghai.

What are the conditions for foreigners to apply for loans when buying a house in Chifeng?

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Two, housing loans must provide information.

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 commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

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

Three. General provisions on housing loan business

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

Verb (abbreviation for verb) mortgage loan process

Consultation → Apply for a loan (house buyer) → Review (provide information) → Sign a loan contract and a mortgage contract (bank) → Apply for contract notarization (notary office) → Apply for relevant insurance (insurance company) → Apply for mortgage registration (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repay by the borrower → Cancel the registration of the mortgaged property (all loans are paid off).

What are the requirements for foreign rural hukou to buy a house in Shanghai?

At present, foreign accounts in Shanghai need to provide social security certificates for more than one year. It has nothing to do with rural or urban hukou.

What are the commercial loan terms in Shanghai?

Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing, and it is a self-operated loan issued by the bank with its credit funds. Like provident fund loans, loans need to pass data review before. So, what are the commercial loan conditions in Shanghai? (

)

I. Conditions for applying for commercial loans in Shanghai:

1, an urban resident with full capacity for civil conduct;

2. Legal residence status;

3. Require a stable occupation and income;

4. Be able to repay the loan principal and interest according to the attack period;

5. There is an asset mortgage or pledge recognized by the loan bank, or there is a guarantor;

6. Provide contracts or agreements for the purchase of houses;

7. Other conditions stipulated by the lending bank.

Second, Shanghai commercial loans to buy a house conditions:

1. The only identity of Shanghai residents refers to Zen and Hukou book; Residents of other provinces and cities should provide household registration certificates or temporary residence permits provided by local household registration management departments in addition to ID cards and household registration books; Passports provided by foreigners; /kloc-Birth certificate or one-child certificate is required for children under 0/8 years old.

2, must have a stable and legitimate economic income, can provide the corresponding income and assets.

3. Natural persons with full capacity for civil conduct have no bad credit records.

4. The borrower's age plus the loan period shall not exceed 65 for men and 60 for women.

5. A house purchase contract or agreement has been signed.

6. You must pay a down payment of not less than a certain percentage of the total price of the house.

Note: Please consult the local bank for details.

Where can a Shanghai self-employed person get a loan? These are all agreed!

Many friends are running their own small businesses, and it is inevitable that they will encounter difficulties. Applying for a loan is often the best solution. Then, where is the Shanghai self-employed loan better? There are so many lending institutions and products are dazzling. Here are a few that everyone agreed on. Let's take a look!

Ping an bank xinyidai

Application conditions:

1, the age requirement is 23-55 years old;

2. The local work unit has been full 12 months;

Hungry and envious 3. Pay the local provident fund continuously for more than 24 months, and the individual's monthly contribution is more than 660 yuan;

4. Temporarily not accepting applications from people in Ningde and Zhouning areas of Fujian;

5. Temporarily not accepting applications from wood, stone and steel beauty salons;

6, good credit, overdue for no more than 90 days, temporarily do not accept the application of credit blank personnel.

Loan term: 12-48 months.

Monthly loan interest rate: 1. 1%

Take the loan of 6,543,800 yuan with a term of 654.38+ 02 months as an example, the total interest is 7,300 yuan, and the monthly payment is 894. 1 yuan.

Yi Xin pu hui elite Dai

Application conditions:

1, aged 22 to 59.

2, wage earners or freelancers, living in this city for more than 6 months.

3, the average monthly income of more than 3000 yuan.

4, social security or provident fund, and continuous payment time of more than 6 months.

5. The record is good and not overdue, or overdue in the last 3 months, or overdue in the last 6 months, or overdue in the last 1 year, or overdue in the last 2 years.

Loan term: 12-36 months.

Monthly loan interest rate: 1.89%

Take the loan of 6,543,800 yuan and the term of 6,543,800 months as an example, the total interest is 23,500 yuan, and the monthly payment is 6,543,800 yuan.

Long-term consumer loan of China Bank

Application conditions:

1, the age requirement is 22-60 years old;

2. The full amount of the commercial house under my name is required to be no more than 25 years, and the house valuation is more than 6,543,800+5,000.

3. The mortgaged property is located in Shanghai (excluding Jinshan and Chongming);

4, good credit record, overdue for no more than 90 days, accept the application of white households.

Loan term: the longest 10 year.

Monthly loan interest rate: a one-time handling fee of 1% will be charged, and the interest rate will rise by 20% according to the benchmark interest rate.

Take the loan with a term of 654.38+02 months as an example, the total interest is 3,900 yuan and the monthly payment is 857,654.38+ 0 yuan.

Want to know more about "self-employed loans", click on the wonderful topic to surprise you immediately!

This is the end of the introduction of Shanghai commercial loans and Shanghai loan channels. I wonder if you have found the information you need?