Personal housing mortgage loans at Standard Chartered Bank advantage:

1. A few high: as long as the customer can afford to buy, we can afford to borrow.

   889 even sansiqianmo single approval of relatively simple, but as long as the customer quality is good, the non ordinary housing into the highest number can be credited to the 79%.

   Example: for example, recently made a customer in Taiwan eastern suburbs purple Park Villa, 26000000 of the total price, to help customers to apply for 79, but because the client didn't think it would apply to so many, have already paid 3 down payment, the last as long as 7, and also apply to the most preferential beauty gold rate, and relief of all charges.

2. Low interest rates.

RMB	The first set of:	The *70% benchmark interest rate
Second sets of:	The *71% benchmark interest rate
Foreign currency.	Dollar	A minimum of 2.8%
HK	A minimum of 2.8%

3, the processing speed is fast.

   Must give a reply at the latest within two days after submission of loan burden, super fast speed.

4. The cost of the province.

   Resident: RMB personal housing mortgage loans, the following free of charge (1 attorneys fees 2 assessment fees 3 notary fees 4 insurance fee of 5 charges.)

   Foreign residents: in addition to the notarization fees, the other free of charge.

5. The banking sector the most powerful province interest and loan products -- "live money lending".

   The most powerful deposit and loan products, come to apply for the single customers very much. This product is accepted mortgage applications.

   In the period of the loan, such as idle funds (cash, working capital and so on) in the account, I see this part of the idle funds for early repayment, not interest. We are on a day to day to charge interest, so as long as the customer account money, every day to save interest. Customers in the money in account can be used at any time (up to offset the remaining 50% of the principal).

   Customers can take other bank account of idle funds into our bank account, so that to the greatest degree of help for financial planning, you need to also can be used at any time. Under the same conditions,% increase in the number of loans, the remaining funds as cash in the account in the province, more interest. Our bank online banking system powerful, able to respond to customer requirements quickly remittance.

This product is popular in Singapore, Malaysia, Hongkong, already, loved by customers, help customers live every day in.

 

    Example: a customer wishes to purchase a total of 1000000 houses, cash on hand for 500000. The customer can choose to pay 200000, for 800000 of loans, the total interest 30 years to 601370 yuan; and the customer can choose Shoufu 500000, only 500000 applications for loans to save interest. But if customers choose to Standard Chartered Bank "usury" and 300000 savings in the Standard Chartered, equivalent to only 500000 of the loan repayment period of loan, the only need to pay the total interest 211759 yuan, than for the 800000 loan to save interest 389559 yuan, the total repayment time is shortened to less than 22 years and 300000 yuan in cash, customers in the Standard Chartered account can access at any time to meet the possible period of want or need, without any restriction. From the time owing on the loan plus interest savings more than make you less than 10 years of struggle?

 

6. An independent new street and the old villa (1949Years before the house), age 20 by defaultYears.

  

 

Borrowers are required to provide materials( Required Documents From Mortgage Loan Applicants ) :

 

A territory) to provide identity cards and accounts of the;

  With Hong Kong and Macao pass and the Hongkong identity card in Hongkong;

  Have a green card customers green card and ID card or passport;

  Taiwan customers to provide mtp;

  Other countries provide passport.

Two) marriage certificate and their spouses photocopy of ID card (if you have children, property card please provide certificate of birth) (Marriage certificate and spouse ID copy)

Three) the house sale contract or deposit contract / if the forward delivery housing provide pre-sale contract (Original notarized Sales & Purchase Agreement)

Four) mini card photocopy (2) / if the forward delivery housing provide pre-sale permit (Photocopy of Strata Title)

Five.Income proof:(if a customer's loan amount is now below, 50% of the property value need only a proof of income can be a letter)

1, if the customer is employed the following file option 2:

A)	The last 3 months showed wages accounted for the bank statement or passbook (Last 6 months'bank statement showing salary record)
B)	Company to produce proof of income or payroll employment contract (original or the Income proof of the company)
C)	3 months of individual income tax return (Latest 6 months personal tax returns)

 

2, if the customer is from 2-4 optionally employed the following documents in 2:

A)	The company's business license, organization code certificate, the articles of association of the company (Valid Business License & Business license number certificate)
B)	The company last year, 1 years after the third party auditing report or over the past 2 years has not been audited statements (Latest financial year audited company Profit & Loss report and Balance Sheet Statement)
C)	Over the past year, monthly bank statement (Latest 12 months Obligor 's saving passbook / bank statement showing his / her average net cash flow during the period)
D)	Each month the last year's tax bill (Latest 12 months personal tax returns)

 

3, if the customer above two data is not convenient, can provide the following documents notarized:

A)	Company letter issued revenue
B)	Individual customer flow asset proof: customer stock / Fund / time / current account in recent 12 months of bills (best original assets in the amount of $100000 or more), confirm the chapter to cover bank and relevant institutions.

6, if the customer's own information provided is not enough, can also provide the corresponding materials spouse or other guarantor, spouse / guarantor also needs to offer: ID card, account of this, proof of income income proof (ibid.)

 

The borrower to pay for costs (Fees and charges):

 

Pay Service　 (Item)	The cost of (Fees and Charges)	The charging unit (Collecting Unit)
Loan fees (Handling Fee)	HK $\ \ new money: 0.25% of the loan amount USD\ HKD\ SGD: 0.25% of Loan Amount   RMB: no fee / RMB: No Fee	Bank (bank)
The loan contract notarization fee (Notarization) (foreign talents need to pay)	0.15% of the loan amount (0.15% of Loan Amount)	The notary office (Notarization Center)
Property assessment fees (Property Valuation Fee)	RMB1000-3000 Free /FREE	Appraisal Company (Valuation Company)
The lawyer fee (Legal Fee)	RMB 800-1000 Free /FREE	Lawyer (Lawyer Firm)
Insurance premium (Insurance Fee)	0.05% of Loan Amount (Every Year) Free /FREE	The insurance company (Insurance Company)
The loan contract stamp tax (Tax of contract)	0.01% of the total loan  (0.01% of Loan Amount)	Real Estate Trading Center

 

 

 

For details, please contactPersonal financial advisors:

For Further information, please contact Personal Financial Consultant

The name /Name:Zhou Shiqing / Suzy Zhou

Mobile phone / Mobile:(86) 136 3630 8037

Shi-qingzhou@sc.com / Email Shi_qingzhou@sina.com

 

At the same time, welcome intermediary and developers friends come to negotiate business cooperation!

Thank you.