Which bank is better for housing mortgage loan?
1 If the loan interest rate is low, you can choose ICBC, Agricultural Bank, Bank of China and China Construction Bank, with annualized interest rate of around 3.75%-4.25%.
If you want to speed up the examination and approval, you can choose local banks, including Bank of Beijing, Bank of Nanjing, Bank of Ningbo, Bank of Hangzhou, Bank of Shanghai, Bank of Jinan, Bank of Changsha and bank of dalian. The approval process is relatively simple and the timeliness is faster.
If you want to apply for a long time, and are office workers, small and micro enterprises, etc. , you can choose small and medium-sized banks, and the qualification requirements for borrowers are generally loose.
When applying for housing mortgage loan, it is often that the lender can borrow if he has a house, and commercial houses, commercial houses and industrial plants can all be mortgaged, with a wide range of collateral. Due to the different credit conditions of each branch, the local credit outlets shall prevail.
When the information submitted by the lender is complete and meets the loan conditions of the bank, the bank will approve the loan as soon as possible, but the approval and loan time should be based on the actual situation or consult the local credit department.
What bank's mortgage is good?
Bank loans from Agricultural Bank, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Shanghai Pudong Development Bank are all relatively easy. However, whether the housing loan is approved does not depend on the bank, but on the borrower's personal situation. As long as the personal credit is good, the job is stable and the income is stable, all banks' housing loans are well approved, and the bank loan conditions are the same.
Matters needing attention in loan:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
10. Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides supporting documents required by legal documents, such as ID card, income certificate, housing sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises the loan to the buyer, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank shall, within the time limit stipulated in the contract.
1 1. The longest loan period shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
Which bank has a better mortgage loan?
The loan threshold of each bank is different. First of all, you should know your qualifications and which banks can accept it.
For example, your real estate situation, overdue situation and running water situation, and then choose a bank with low interest rate, long life and high quota to operate.
Each bank has its own advantages and disadvantages, and it is necessary to handle a suitable bank according to its own situation.
If you have to recommend it, then the following three are the best choices in different scenarios.
1. The syndicate with the lowest interest rate: China Construction Bank.
As we know, the interest rates of general banks are floating on the basis of the benchmark interest rate issued by the central bank, while China Construction Bank insists that the benchmark expected annualized interest rate remains unchanged, and the one-year expected annualized interest rate is only 6%. If you borrow 500,000 yuan 1 year for repayment, the capital cost is only 1.64 million yuan, which is at least several thousand yuan less than other banks.
2. The most efficient bank: China Industrial and Commercial Bank.
As we mentioned before, ICBC can get the loan within five working days at the earliest. Most banks need 10-20 working days, and even some banks need a month to get loans. ICBC is a well-deserved champion in terms of lending efficiency.
3. The most convenient bank for revolving loan: Bank of China.
Bank of China supports revolving mortgage loans. Within the available quota, borrowers don't have to greet the bank every time they get or return the loan, and they don't have to waste time repeatedly going through mortgage registration procedures and signing loan equality. This makes the cycle collapse and lack of loans very simple, so it is evaluated with the least effort.
Which bank's mortgage approval is easy to pass? Count four banks!
Now most people choose loans when buying a house. Because all major state-owned and commercial banks undertake mortgage business, the choice is actually relatively wide, but the application thresholds of major banks are different. Which bank's mortgage approval is easy to pass? Let's get to know each other.
1, China Construction Bank
Many people apply for state-owned banks, mainly because of the high loan amount and low interest rate. Many people apply for loans from CCB and ABC in the peak season every year. CCB has different loan quotas for different types and has higher requirements for personal qualifications. It is suggested that it is best to provide collateral such as a house with a down payment of more than 50%, which is easier to pass the examination and approval.
2. Ping An Bank
First-hand housing loan business refers to the loan business in which the borrower buys a property from a real estate developer, pays the down payment by himself, and pays the rest through a bank loan, and repays the interest and principal in installments within the loan period with the purchased property as collateral.
3. Agricultural Bank of China
There are many kinds of "Golden Key" housing credit brands of Agricultural Bank of China. The most important thing is that it has standardized and unified service and convenient and flexible repayment methods, so it has become the first choice brand for many property buyers.
4. Industrial and Commercial Bank of China
It is the first personal housing portfolio loan in China, mainly including mortgage loan, down payment loan for personal commercial housing, short-term loan for real estate development enterprises, personal housing portfolio loan and other business types, with relatively low interest.
To sum up, the approval of mortgage is only relative, and the pass rate has a great relationship with personal qualifications, credit and policies. I suggest you consult the bank before applying for a mortgage.
Which bank loans to buy a house is better?
Ping An Bank launched a mortgage loan. You can log in to Ping An Pocket Bank APP- Finance-Loan for details and try to apply. Whether the approval is successful or not is evaluated according to your comprehensive qualifications.
Response time: 2021-11-16. Please refer to the latest business changes announced by Ping An Bank in official website.