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Can foreign banks handle home purchase loans?
I. Requirements for handling foreign-funded bank loans: 1. Applicant's age requirement: Applicants for Standard Chartered Bank must be 21 years of age or older and no more than 65 years old. The term “loan period + lender age” is not more than 70 years old; HSBC Bank The term of the loan term is that the loaner’s age plus repayment period must not exceed 65 years, and the second-hand house must be within 10 years. 2. Applicant's income requirements: Bank of East AsiaMortgageThe minimum amount is 400,000 yuan, Standard Chartered Bank is 200,000 yuan, and HSBC Bank is 300,000 yuan. There is also a requirement for HSBC's mortgage business in Shanghai. The applicant's monthly income must be more than 10,000 yuan, and the minimum amount of the down payment for the applied housing loan can be processed.
2. Information required by foreign banks to apply for a mortgage. 1. Applicant's ID card (copy of the front and back); 2. Applicant's account book (all copies, including blank pages); 3, 5 years of social security records and tax payment certificates;Proof of income(3-6 months bank salary into the flow list); 5, work certificate and proof of income issued by the company; 6, proof of residence address; 7, if the applicant is married, must provide a marriage certificate; 8, housing pre-sale contract, A house sale contract or deposit contract, other documents required by the bank.
Third, foreign banks handle housingMortgage Loansstep. In the first step, the loan applicant provides the ID number and the address, floor and other information of the purchased house. The bank staff will pre-screen it, mainly to see if the purchaser meets the purchase conditions, the amount of the house purchased, and the approximate amount of the loan. Amount, etc. In the second step, the loan applicant signs a loan contract with the foreign bank being applied for and submits relevant certificates, such as the applicant's ID card, marriage certificate, income certificate, tax payment receipt, and house sale contract. The third step is to review the loan contract by the foreign bank that has been applied for. The fourth step, after the approval of the loan contract, the applicant cooperates with the landlord to conduct property rights transactions. In the fifth step, the loan applicant submits the certificate to the foreign bank that has been applied for, and the bank's income is proved by him, and the loan is made within 3-7 working days.
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