China » Mortgages

Guide to the mortgages in China :

Keep in mind that for many countries, there is often more than one deal available and this page merely represents an overview of the typical requirements.

If you plan to take a mortgage in Shanghai you need at least a 20% down payment of the purchase price of the property in Shanghai. Even if you generate rental-income from renting your Shanghai property out, it is not considered by most lenders as you may decide to move in, at a later time. The Shanghai Real Estate calculator will help you to compare the costs of renting a house or condo in Shanghai to the costs of buying a house or condo in Shanghai. Since there are all kinds of forces at work behind the scenes, such as the current interest in Shanghai, Shanghai property taxes, tax savings and appreciation in general to investments in Shanghai, comparing the cost of renting to the cost of buying in Shanghai is a lot more complicated than just comparing the monthly mortgage payment to the monthly rent payment.