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Personal Commercial Housing Loan

1. Personal Commercial Housing Loan

It is a RMB guarantee short or mid-long term loan helps borrowers to purchase commercial houses.

2. Target Customers

The applicants should be natural person of full civil capacity, more than 18 years old (including 18 years old) with legal valid identity certificates and fixed residence.

3. Application requirements

The Applicants must have Shanghai household registration or valid residential identification.

The applicants must have full-time job and income, enable to repaying principal and interest.

The applicants must enable to pay the 50% of full price, and own valid house purchasing contract

Approve to accept mortgage on its commercial house.

Approve to follow SRCB’s other requirements

4. Documents

The identification cards and household registry booklet of debtor and its co-owners.

The income certification of debtor and its co-owners.

The marital status certification.

The legal houses purchasing contract or agreement.

The receipt of first term payment.

Other documents required by SRCB

5. Loan's amount, term, interest.

Amount – Maximum 80% of house value.

Term – Not exceed 30 years.

Interest – Follow the legal official interest rate announced by People’s Bank of China.

6. Easy repayment, various choices.

One time repayment

Repayment by months

Repayment by seasons

Monthly certain principal payment

Seasonal certain principal payment

Seasonal interest repayment, principal repayment by years

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