The ranking of bank mortgage loans of China CITIC Bank in 20 19 years: the highest100000.
CITIC Bank, established in 1987, is one of the national commercial banks in China, and its main shareholder is China CITIC Group Corporation. The mortgage loan product of CITIC Bank is an operating loan with a loan amount of100000 yuan and a house age of 20 years. The loan term is 20 years, and it can be repaid freely (5% principal per year and monthly interest).
Summary: From the borrower's point of view, the loanable amount is high, the term is long, and the repayment pressure is relatively small. However, CITIC Bank is strict with borrowers.
Details of bank mortgage loan of China Construction Bank in 20 19: the maximum is100000 yuan.
China Construction Bank was established in June 1954+ 10/0/. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The mortgage loan product of China Construction Bank is an operating loan, with a loan amount of less than 6,543,800,000 yuan, a house age of less than 30 years, and a repayment method of 3 years (interest is paid when used, but no interest is paid when used).
Summary: According to a friend of mine who makes mortgage loans, CCB has strict requirements for business licenses, with a term of at least three years, preferably more than one year, although there is no need for running water or inspecting entities.
Minsheng Bank, the bank's 20 19 loan line list: up to 8 million yuan.
Minsheng Bank was established in 1996 12 10/2. It is the first national commercial bank initiated by private capital in Chinese mainland. The mortgage loan products of Minsheng Bank are operating loans with a maximum loan amount of 8 million yuan and a loan term of 5 years or 10 years.
Summary: Some time ago, a friend who made mortgage loans at Minsheng Bank told me that Minsheng Bank didn't have too many requirements for the business license held by the borrower, so it could communicate or contact with the business entity of the friend.
List of 20 19 bank mortgage loans of Hangzhou Bank: up to 5 million.
Hangzhou Bank is a trans-regional joint-stock bank with independent legal personality. The predecessor of Hangzhou Commercial Bank was established in February 2000. The mortgage loan products of Hangzhou Bank are operating loans, and the business license period is not required within 20 years and 5 million years.
Summary: Hangzhou Bank is lax in examining its business license. Generally speaking, it is processed today and can be used tomorrow. In addition, the mortgage loan of Hangzhou Bank can take an abnormal mortgage process, and it can be released after approval.
Industrial Bank's ranking of 20 19 bank mortgage loans: up to 5 million.
Established in August 1988, Industrial Bank is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. Industrial Bank's mortgage loan products are also operating loans. The room age is required to be below 29 years, the upper limit is 5 million, and the interest rate is 4% 6 to 5% 4.
Summary: Compared with the above two banks, Industrial Bank requires borrowers to hold business licenses for more than one year, and requires on-the-spot visits.