Nowadays, due to the high housing prices, many people don't have enough funds to buy a house in full, so many people choose to borrow money to buy a house. So what is the loanable amount of commercial loans for buying a house in Shanghai? What are the precautions for housing loans in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
What is the loanable amount of commercial loan for buying a house in Shanghai?
1. If a resident family purchases the first home, that is, if there is no home in Shanghai under the name of the resident family and there is no record of commercial housing loan or provident fund loan, it will apply for a commercial personal housing loan with a commercial loan amount of about 65%.
2. Families who already own a house in Shanghai or have no house in Shanghai but have housing loans apply for commercial personal housing loans with a commercial loan amount of about 50%. If you buy a non-ordinary self-occupied house, then the commercial loan amount is about 30%.
What are the precautions for housing loans in Shanghai?
1. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.
2. You can't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, which means that the amount of the provident fund loan is zero.
Don't forget to cancel the mortgage after the loan is paid off. After the borrower has paid off all the principal and interest of the loan, he can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the core of the real estate transaction in the district where the real estate is located.
If it is difficult to repay the loan, don't forget to find the bank around you. When the borrower's debt repayment ability declines during the loan period and it is difficult to repay, don't insist on it yourself. You can apply to the bank for an extension of the loan period.
Abstract: The above is what Bian Xiao introduced to you about the loanable amount of commercial loans for buying houses in Shanghai, hoping to help some friends in need.
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