Generally speaking, the interest rate of state-owned commercial banks will be lower than that of joint-stock commercial banks, and the standards of major banks are different. Here are a few simple introductions for your reference. Specific requirements shall be subject to the bank:
1, Industrial and Commercial Bank of China. Generally speaking, it is required that there should be no credit investigation for three to six consecutive years, and it should not exceed small loans on the Internet. A house with a fixed age of less than 20 years is a complete house, with a loan amount of about 70% and a monthly interest rate of 3% 12.
2. CCB has been tired for six years, and the number of inquiries in half a year can't exceed six times. Internet small loans can't exceed three years, and the monthly interest rate is 3%.
3. The number of inquiries made by Bank of Communications within half a year cannot exceed one year, and the monthly interest rate is 3% 2.
Mortgage loan of real estate license means that the borrower provides guarantee for his loan with the purchased house and other furniture or a third party, which consists of house sales contract, house mortgage agreement and house mortgage loan.
Mortgage loan with real estate license actually refers to the types of loans that customers have mortgaged to banks, which is different from the collapse of property ownership already owned by second-hand buyers, rather than the upcoming ownership. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations.
For example, real estate speculation and stock trading are not allowed, and banks have the right to recover loans if violations are found.
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Second, 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.
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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.
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3. Which bank should I choose for mortgage loan?
It depends on how much money you want to borrow. Generally, banks lend more strictly, at a slower speed, with less loans, but lower interest. For many reasons, credit companies are more suitable. I suggest you consider it. As long as you meet the requirements, there is absolutely no problem. If you can't get a loan from a credit company, let alone go to a bank. If it is a loan of 1-65438+ million, it will arrive. Banks and credit companies can consider whether you are in a hurry to use money. If you are not in a hurry, you can choose a bank, but you must first meet their loan conditions. You can ask me if you don't understand. Your question is a little too simple and vague to answer.