Reason:
In order to prevent real estate speculation, the state's supervision of the property market has become more and more strict in recent years. At the end of last year, the China Banking Regulatory Commission and the Central Bank jointly issued the Notice on Establishing the Centralized Management System for Real Estate Loans of Banking Financial Institutions, which clearly stipulated the restrictions on the loan ratio of banks to mortgage loans. Judging from the loan ratio stipulated by the central bank, if the demand for mortgage loans is low, loans can be easily handled. Generally, it only takes about 2 weeks from loan approval to loan release. However, if too many people apply for mortgage, even if the mortgage is approved, they may not get the money immediately, and the next payment may be delayed by 2 to 3 months. Of course, the speed of the next payment depends on the situation. If it is a purely commercial loan, the next payment will be faster. If it is a provident fund loan or a portfolio loan, most of them have to wait until the house is capped, and the speed will be slower.
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. Specifically, there are several points:
(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;