Age requirements: up to 20 years;
The collateral is located in the area: Shenzhen;
Type of collateral: ordinary houses, villas, shops, office buildings, factories;
Revenue requirements: twice the loan amount, need to provide bank flow;
Industry restrictions: Self-employed individuals such as individual industrial and commercial households and private owners are not accepted for application.
Proof of identity of the borrower (legal and valid identity documents, household registration certificate, proof of marital status, etc.);
Proof of the borrower’s income or other source of repayment;
Mortgage ownership certificate and collateral assessment report
a valid identification of the mortgagor and the collateral co-owner (if any) and a letter of commitment to consent to the pledge;
Other information requested by the Bank.
Interest rate statement
Loan term (month)
Annual interest rate
Benchmark interest rate rises by 15%
20 days of loan timeReceiver: Manager ChenApplication on August 26, 2015
Mr. Zhu: Self-employed, with a business life of 5 years or more, has already obtained a business license.
20 days of loan timeReceiver: Zhong ManagerApplication on December 26, 2014
Mr. Chen: The property type is a commercial residence. The property value is 1.5 million yuan, and the application amount is 650,000, which is the acceptance amount.
7 days of loan timeReceiver: Manager LiApplication on November 29, 2014
Mr. Yi: Office worker, working for more than 7 years, monthly punch card salary is 5300 yuan
20 days of loan timeAcceptant: Yan ManagerApplication on November 3, 2014
Mr. Liu: Office worker, working years 1 to 3 years, monthly cash income of 20,000 yuan
Loan time 3 daysReceiver: Manager LiApplication on October 29, 2014
Mr. Zhou: Office worker, working years 4 to 7 years, monthly salary is 8200 yuan
Recently, news about Beijing's property market has been constantly coming: second-hand housing prices have fallen, there are more than 1 million price cuts in school districts, and the interest rate on first-home mortgages has risen... Does Beijing's housing prices really usher in a turning point? What is the real situation of the property market?