This loan borrowers can to the existing property (residential, shops, office) as collateral, to apply to the Standard Chartered Bank loans and loans for an acquisition vehicle, house decoration, business and other consumption.
Standard Chartered bank mortgage loans advantage:
One, housing mortgage:The longest 20 years of age or single family villa is not restricted, the mortgage housing surplus not repaid loans can apply
Two, the number of loans into:A maximum of 70%
Three, the loan amount:The lowest 300000 yuan
Four, the loan period:The longest 30 years
Five, the loan interest rate:The benchmark interest rate, not broke surface
Purchase a car (2) below 1000000 provide a receipt, below 3000000 without registration)
3) education
4 traveling
Seven, loan mode:All loans to individual customer account
Applicants are required to provide materials:
1, ID
2, residence booklet
3, the marriage certificate
4, property right card
5, proof of income (three two): A) the employer Zheng MingxinB)
nearly 3 months bank deposit proof (unstable customers accounted for nearly 6 monthsC)
nearly 3 months.(the above three can only provide a person, can also provide other asset proof instead.)
6, use proof: see table
The use of the loans
Before the loan
In the loan
After the loan
After the loan
Submission of documents
Telephone verification
Loan files
Submission deadline
Car Buying
Contract to purchase a car
All loans are loans to contact the applicant telephone verification, to verify their statement of purpose
Purchase a car invoice / receipt
Within 3 months after the loan
Renovation
Renovation contract
Decoration invoice / receipt
Within 3 months after the loan
Decoration project list
Education
Tuition list
Tuition invoice / receipt
Within 3 months after the loan
Admission notice or other document
Kinship Certificate (if applicable)
Traveling
Travel expenses listOr
Tourism invoice / receiptOr
Within 3 months after the loan
Tourism deposit proof
Ticket / ticket vouchers
Borrowers pay(Fees and
charges):
Pay Service
(Item)
The cost of
(Fees and Charges)
The charging unit
(Collecting Unit)
Loan fees
(Handling Fee)
0.25% of the loan amount
(0.25% of Loan Amount)
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)
600 yuan -3800 yuan
Appraisal Company
(Valuation Company)
The lawyer fee
(Legal Fee)
RMB 800-1000
Lawyer
(Lawyer Firm)
The insurance fee (per year)
(Insurance
Fee)
0.05% of loans (per year)
(0.05% of Loan Amount/Year)
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 contact the bankPersonal financial advisors:
For Further information, please contact
Personal Financial Consultant