In addition to state-owned commercial banks, city commercial banks in many cities also have credit business and can also apply for housing loans. If you plan to buy a house, you'd better run more banks and make a comprehensive comparison. Today, let's introduce the application conditions of Shanghai Bank's housing loan.
1. What are the housing loans of Shanghai Bank?
1, personal housing commercial loan, refers to the commercial housing loan issued by the loan handling bank of Shanghai to individuals.
2. Personal housing provident fund loan refers to the personal provident fund loan entrusted by the local provident fund management department by the Shanghai Bank loan handling bank.
3. Personal housing portfolio loan is a combination of personal housing provident fund loan and personal housing commercial loan. When an individual purchases a house, he can apply to the bank for a personal housing commercial loan for the part of the housing provident fund loan that is not enough to pay the purchase price.
Second, Shanghai Bank Housing Loan Application Conditions
1, a citizen of China or a resident of Hong Kong, Macao and Taiwan who has reached the age of 18-65 and has full capacity for civil conduct, has worked in China for more than one year and bought a house for self-occupation.
2. There are self-raised funds for purchasing houses that meet the requirements of the Shanghai Bank loan handling bank;
3. Have a stable economic income;
4. Agree to handle personal credit information and housing mortgage loans, and when the handling bank deems it necessary, agree to handle the notarization of relevant transaction contracts and loan contracts;
5. Other conditions stipulated by Shanghai Bank loan handling bank.
Three, housing loan application materials
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.
How does Shanghai Bank apply for a loan and what steps are needed?
The method for Shanghai Bank to apply for a loan is that I hold the original ID card and loan-related information and apply at any Shanghai Bank outlet.
The steps of applying for a loan are: application-submission of materials-bank review-notifying customers after approval-lending.
Taking personal business loans as an example, the conditions for Shanghai banks to apply for loans are:
1. Self-raised funds for house purchase that meet the requirements of the loan handling bank of Shanghai Bank;
2. Have a stable economic income;
3. Agree to handle the mortgage of personal credit information, and when the bank deems it necessary, agree to handle the notarization of relevant loans and guarantee contracts;
4. The purchased property must be an existing house (or a record form for completion acceptance has been obtained);
5. Other conditions stipulated by Shanghai Bank loan handling bank.
Extended data:
Information needed to apply for a loan
1, ID card;
2. proof of income: more than 3,000 yuan before tax, and provide a bank payroll or passbook;
3. Company certificate: work certificate with official seal or personnel seal (or labor contract is also acceptable);
4. Proof of residential address: any one of water, electricity, coal bills, mobile phone bills and statements;
5. Residence permit or temporary residence permit (required for foreign household registration).