Age requirements: up to 20 years;
Valuation requirements: minimum of more than 1.5 million yuan, the commercial office building price of 20,000 / square meters or more;
Located in the area: Shanghai local (except Chongming, foreign real estate);
Type of collateral: residential, retail, office, villa;
The sum of the loan term and age does not exceed 65.
1. Applicant and spouse identification, account book, marriage certificate
2. The work certificate issued by the company must be stamped with official seal or personnel chapter.
3. ICBC card under the name of the applicant
4. My name is Shanghai local real estate
5. Other information (if any): other properties, stocks, deposits, cars, running water, etc.
Interest rate statement
Loan term (month)
Annual interest rate
Benchmark interest rate rises by 10%
Loan time 17 daysAcceptant: He ManagerApplication on June 18, 2016
Mr. Dai: Office worker, working for more than 7 years, monthly salary is 8,000 yuan
20 days of loan timeReceiver: ManagerApplication on December 2, 2015
Mr. Yang: The property type is a commercial residence. The property value is 2.8 million yuan, and the application amount is 500000, which is the acceptance amount.
Loan time 3 daysReceiver: Qi ManagerApplication on March 24, 2014
Mr. Xiao: The type of property is a shop. The property value is 2.3 million yuan, and the application amount is 1000000, which is the acceptance amount.
20 days of loan timeReceiver: Manager LiuApplication on February 26, 2013
Mr. Zhang: The property type is a commercial residence, the property is located in the central city, and the residential age is 15-20 years (inclusive).
20 days of loan timeReceiver: Manager LiuApplication on December 12, 2012
Mr. Zhao: The credit record is good within two years, and there are (with real estate license) under the name of parents and spouses.
According to the National Bureau of Statistics, from January to November this year, the sales of commercial housing reached 1,200.5 billion yuan, which is higher than the GDP of South Korea, Australia, Russia and other countries last year. China's real estate industry seems to be rich and enemy. ||125645
If you don't pay the provident fund, you can apply for a provident fund loan. Compared with commercial loans, the provident fund loan is more strict in terms of data review and credit history. Therefore, the credit record is not good. It is often seen when you apply for a provident fund loan. For this reason, citizens who are interested in applying for a provident fund loan to buy a house need to pay more attention to the bank's credit record. Ms. Ann suffered from the confusion of the provident fund loan. Ms. An said that her lover has a long-term deactivated credit card, but she has not applied for the cancellation of the account, and she plans to apply for a provident fund loan to buy a house||58857