Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. The specific points are as follows:
(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;
(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;
(3) If there is a second-hand house sales contract, pay a down payment;
(4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;
(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;
(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;
(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;
(8) The purchased house is not within the scope of the demolition announcement;
(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;
(10) Other conditions required by the lending bank;
The national banking policy is roughly as follows: 30% down payment for the first suite, 60% down payment for the second suite, and no loan for the third suite; Foreign household registration loans need to provide social security or tax payment certificates of 1 year or other years, depending on local banking policies.
The number of bank loans is distinguished according to the principle of recognizing the house and the loan, that is, the number of times the customer borrows to buy a house must be inquired, and the customer must also be asked to inquire about the number of local houses in the housing management bureau where the house is purchased.