Position:home>Real estate market> Individual room borrows newest guideline
Individual room borrows newest guideline
From;  Author:Stand originally
     auctions judicatory to explain about individual residence as tall courtyard come on stage and " senile " of husband room obtain borrow difficult phenomenon to appear, for a short while, individual room borrows a problem to become the heat topic of streets and lanes of ordinary common people again. Yesterday, our newspaper reporter investigates know from authoritative channel, on Shanghai many bank is in at present publish loan fractionize measure to father the venture that controls individual room to borrow, in order to protect the healthy progress of the stability of 証 finance order and residential market.  

The loan business guideline of many state-owned and large bank places      in the reporter desk, we were chosen among them the partial individual room of a few banks borrows a regulation, for the reader referenced choice accords with the bank of own circumstance.  

     concerns groovy  

     is current, the business of skill room loan of the bank on Shanghai basically includes house of shop of the residence, villatic, business, office; Secondhand room loan business basically includes the residence, villatic, new in, shop of garden residence, business and office building. Skill room is the longest loan fixed number of year 30 years, secondhand the room is the most agelong be restricted 20 years.  

     is in a few state-owned banks, house price is monovalent under 7000 yuan and total prices the bridal chamber of 1 million yuan of less than is highest still can borrow money 8 into, monovalent prep above 7000 yuan or total prices exceeds 1 million yuan for highest 7 into; Average loan specified amount spends office room not to exceed 5 to become, fixed number of year does not exceed 8 years.  

     is concerned secondhand room  

A state-owned bank is in      strict boundary differentiated on room age, room age inside 8 years (contain 8 years) by the standard namely highest 7 into; Room age inside 5 years, 1 million less than, unit price is less than total house price 7000 yuan building is highest even can borrow 8 into and for high grade client; Room age is in 8-10 year (contain 10 years) can borrow 6 into; Room age is in 10-15 year (contain 15 years) can borrow 5 into; Room age is in 15-20 year (contain 20 years) can borrow 4 into. But this bank also expresses, vintage garden foreign room does not accept room age restriction, new the loan in is commonly into number 5 into, highest do not exceed 6 to become. Secondhand business shop borrows money to be less than into number commonly 5 into, fixed number of year does not exceed 5 years. Room age and the sum of loan fixed number of year must not exceed 30 years, advocate the age that borrow a person and the sum of loan fixed number of year must not exceed 70 one full year of life.  

     concerns villa and   of business shop loan

     this bank also installed house price and loan to become number comparing. The villatic loan that house price exceeds 10 million above becomes number highest do not exceed 4 to become (contain) ; House price exceeds 7 million to come 10 million (contain) villatic loan becomes number highest do not exceed 5 to become (contain) ; House price exceeds 4 million to come 7 million (contain) villatic loan becomes number highest do not exceed 6 to become (contain) ; House price is in 4 million (contain) the following villatic loan becomes number highest do not exceed 7 to become (contain) .  
Previous12 3 4 5 6 Next