How to handle the real estate mortgage loan of Shanghai Bank?
First, the object of Shanghai Bank's real estate mortgage loan:
1, 18 years old or above, China citizens or Hong Kong, Macao and Taiwan residents with full capacity for civil conduct;
2. Foreign individuals who have worked in China for more than one year and have local real estate in China.
Two. Conditions of Shanghai Bank's real estate mortgage loan:
1, with stable economic income (the working time is required to be more than one year, and the existing work is required to be continuous for more than one year when applying for a loan);
2. Agree to handle personal credit information and housing mortgage loans, and Shanghai Bank agrees to handle notarization of relevant transaction contracts and loan contracts when it deems it necessary;
3. Other conditions stipulated by the Shanghai Bank loan handling bank.
Three. Materials to be submitted for Shanghai Bank's real estate mortgage loan:
1, ID card, household registration book/household registration certificate and marital status certificate;
2, proof of income, income substitutes, proof of assets, etc. ;
3. House pre-sale (sales) contract and prepayment invoice (prepayment receipt);
4, the transaction of housing property certificate and a copy of the household registration book, mortgage housing property certificate;
5. Application materials deemed necessary by other banks.
Extended data
Loan process
1. The borrower shall fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials to the bank:
(1) The borrower's fixed income certificate issued by the borrower's unit;
(2) Credit certification documents such as business license and legal person certificate of the loan guarantor;
(3) The legal and valid identity certificate of the borrower;
(four) the relevant proof of the ownership of the house or the proof that I enjoy the right to control the house according to law;
(5) Appraisal report, appraisal report and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of houses;
(6) Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.