- Foreign bank personal loan process While foreign banks provide high-quality services, they are actually implementing higher fees. On the official website of Standard Chartered Bank, the price list of its individual customers and corporate customers was clearly announced. However, if you look closely at the fees, it's not hard to find some of them...
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Can foreign banks apply for home loans?
1. Conditions for applying for foreign-funded bank home loans: 1. Applicant's age requirements: Applicants of Standard Chartered Bank must be 21 years of age and no more than 65 years of age, and “year of loan + age of lender” should not exceed 70 years old; HSBC Bank The term of the loan term is that the age of the lender plus the repayment period must not exceed 65 years, while the age of 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. In addition, there is another requirement for HSBC's mortgage loan business in Shanghai. The monthly income of the applicant must be above 10,000 yuan, and the minimum amount of the application for the home loan down payment is 30%.
Second, foreign banks need to provide information on mortgage applications. 1. The applicant's ID card (front and reverse copy); 2. The applicant's account copy (full copy, including blank pages); 3, 5 years of social security records and tax payment certificate;Proof of income(3-6 months bank salary payment flow sheet); 5, work certificate and proof of income issued by the company; 6, proof of residential address; 7, if the applicant is married, must provide a marriage certificate;8, housing pre-sale contract, Housing sales contract or deposit contract, other documents required by the bank.
Third, foreign banks apply for housingMortgage Loansstep. In the first step, the loan applicant provides information such as the ID number and the address and floor of the house to be purchased. The bank’s staff will pre-assess it, mainly to see whether the buyers meet the purchase conditions, the amount of homes they purchase, and how much they can borrow. Amount and so on. In the second step, the loan applicant signs a loan contract with the foreign bank to which it is applied for and submits related certificates, such as the applicant's ID card, marriage certificate, income certificate, tax declaration form, and housing sales contract. The third step, the foreign bank being applied for the review of the loan contract. The fourth step: After the approval of the loan contract, the applicant cooperated with the landlord to conduct property rights transactions. In the fifth step, the loan applicant submits his proof to the foreign bank to which the application has been applied. After the bank has received his proof of his income, the loan will be made 3-7 working days.
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