Institutions that can mortgage loans

Banks that can handle real estate licenses as mortgage loans: China Yinpina Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies. All major banks can apply for mortgage loans, but the policy conditions are different, but most banks need a name to make loans, such as consumer loans, such as commercial loans, such as buying new ones and so on. The interest of such loans is higher than that of ordinary commercial loans, but the longest loan period is mostly around 10; However, the interest rate of mortgage loans is lower than that of local commercial banks or credit cooperatives, and the annual loan coverage is longer. Most credit cooperatives allow loans for 1~3 years, but the longest is 5 years. I suggest you take the real estate license to consult the mortgage department of the relevant bank, and prepare some credit certificates of your own, such as your income certificate, your business or company certificate or contract, etc. , can reduce the difficulty of your loan approval.

：

Characteristics of mortgage loans of banks:

1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.

2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.

3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.

4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.

5. As a supplement to the bank's real estate mortgage loan business, private loan companies can meet the needs of friends who are in urgent need of money without the bank's handling threshold. In terms of loan threshold and processing speed, private loan companies are far superior to banks.

Please click to enter the picture description (maximum 18 words).