Standard Chartered Bank real estate mortgage consumer loans and loan advantage

Introduction and advantage property mortgage loans

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

Six, the use of the loans:

Decoration (1): 5000 yuan / square meters apartment, villa: 8000 yuan / square meters)

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 list        Or

Tourism invoice / receipt  Or

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

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.