The following is the loan information of Shenzhen second-hand building for your reference:
Conditions for buying real estate by loan
1. The property right of the purchased property should be clear, the property right certificate has been obtained, or the conditions for obtaining the certificate have been met, there is no property right dispute, and both the property owner and the house owner agree to sell the property.
2. The purchased property has perfect structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management, and has normal occupancy conditions.
3. There are no barriers to the listing transaction policy, and you can handle the transfer transaction and formal mortgage registration, and you have the conditions to enter the real estate market, which is easy to realize and is not included in the demolition plan.
4. The age of the purchased property (referring to the completion period of the property, the same below) is generally not more than 20 years, and the loan term plus the age of the purchased property is not more than 40 years in principle.
5. Meet other conditions stipulated by the agency.
Loan object and conditions
1. Meet the basic requirements of our retail loan customers.
2. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners when purchasing commercial housing.
3. Have the ability to repay the loan principal and interest on time. The borrower's monthly loan expenditure should be controlled below 50% (inclusive), and the monthly debt expenditure should be controlled below 55% (inclusive).
4. Other conditions stipulated by the institution.
Application material
1. Identity information: ID card, military officer's card, etc.
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of use: the original proof of the property right of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the proof of the receipt of the supervision funds is enough).
4. Proof of local residence: a list of fixed telephone bills, water and electricity bills or other information that can prove the address for any three months in the past year.
5. Proof of repayment ability (provide one or more of the following)
(1) Customers who meet the professional standards for quality customers of personal loans can provide proof of income as proof of repayment source. Other high-quality customers, in addition to providing proof of income, should also provide sufficient information to prove that they meet the standards of high-quality customers.
(2) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate.
(3) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies.
(4) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to:
(1) Provide a running account or a reliable salary list of the bank that has paid wages for more than three consecutive months in the past year.
(2) Provide proof of holding shares of relevant institutions and proof of dividend income of shares.
(3) Provide proof of family assets, including financial assets or non-financial assets.
6. Other information required by the agency.
loan currency
Renminbi.
amount of loan
1. The maximum amount of credit/single loan shall not exceed 70% of the mortgage value of the purchased property, and it shall comply with the relevant regulations of the regulatory authorities and banks.
2. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities.
3. The mortgage value shall be determined according to the principle that the assessed present value of the collateral or the transaction price is lower.
deadline
1. The maximum loan period or credit period shall not exceed 30 years.
2. The loan term plus the fixed number of years of the mortgaged property shall not exceed 40 years in principle.
loan rate
Second-hand housing loans can take floating interest rates or fixed interest rates.
1. If floating interest rate is adopted, it shall be implemented on the basis of the benchmark interest rate stipulated by the People's Bank of China, in accordance with the floating range determined by the regulatory authorities and relevant regulations of the Bank.
2. If a fixed interest rate is adopted, it shall be implemented in accordance with the relevant provisions of the fixed interest rate in the functional part of this specification and relevant pricing standards.
Repayment method
1. Payment methods include equal repayment, average capital, debt service, independent monthly payment, principal repayment plan, etc. If the loan term is less than 1 year (inclusive), the principal can also be repaid by paying interest on a monthly basis at maturity.
2. The handling institution shall, according to the actual needs of the borrower, combine its repayment ability and credit record, and negotiate with the borrower to determine the repayment method.
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