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).
What are the lending institutions?
With the development of economy, people's material life is getting richer and richer, and the requirements for quality of life are getting higher and higher. Demand for consumer loans such as buying a house, buying a car and traveling is also increasing. So what are the current lending institutions?
1, bank. Commercial banks, commercial banks generally only do short-term lending business. The loan term shall not exceed one year; Rural banks mainly provide financial services for local farmers, agriculture and rural economic development; Policy banks generally offer preferential treatment in terms of loan scale, term and interest rate.
2. Theme financial companies. Auto financing company, a non-bank financial institution that provides financial services for car buyers and consumers; Consumer finance companies are non-bank financial institutions that provide loans to individuals for the purpose of consumption.
3. Private lending institutions. A company that does not take deposits from the public enjoys the property of an independent legal person and bears civil liability for its debts with all its property; Pawnshops, commonly known as pawn shops, are issued by informal marginal financial institutions.
4. Non-bank financial institutions. Loan company, a limited liability company fully funded by domestic commercial banks or rural cooperative banks; Insurance companies, loans provided by insurance companies to enterprises; Finance companies are mostly subsidiaries of commercial banks, mainly absorbing deposits and then issuing loans; Trust company is a financial product with variable interest, which is generally affected by the capital demand of investment projects.
The above is an introduction to the relevant contents of lending institutions. No matter what kind of lending institution you choose, you must carefully compare and choose the one that suits you better.
What are the lending institutions? What are the lending institutions?
Lending institutions include various banks (state-owned banks, foreign banks and private banks), companies, guarantee companies, finance companies, financial leasing companies, pawn companies, insurance companies with loan business and professional loan companies. These are all related contents of lending institutions.
Specific introduction of lending institutions
I. Banks:
1. Commercial service banks: Generally, commercial service banks only lend money in a short period of time, and the next payment period does not exceed one year;
2. City banks: mainly because local farmers, agriculture and animal husbandry and agricultural economic development trends provide financial services;
3. Preferential tax policies Banks: Generally, they give preferential treatment in terms of loan operation scale, term and annual interest rate.
Second, the theme financial company:
1. Auto finance investment company: financial and non-bank financial enterprises that buy cars and serve customers for lenders;
2. Consumer credit enterprises: non-bank financial enterprises that provide transactional loans to individuals.
Third, private lending institutions:
1. Small loan enterprise: it does not absorb the savings of the masses, has the assets of an independent legal representative, and bears legal responsibility for its creditor's rights and debts with all its assets;
2. Pawning company: an informal marginal financial enterprise with an alias of pawning and issuing pledged loans.
Four. Non-bank financial institutions:
1. Loan enterprise: A loan enterprise is a limited liability company enterprise fully funded by a regional commercial service bank or a rural cooperative bank;
2. Insurance companies: loans brought by insurance companies;
3. Agency bookkeeping companies: most of them are subsidiaries of commercial service banks, which digest and absorb savings and issue loans;
4. Trust is a financial product with variable loan interest, which is generally affected by the financial requirements of investment.
This article mainly writes about the relevant knowledge points of lending institutions, and the content is for reference only.
Which banks can choose loans? Understand these financial institutions first!
Nowadays, many people are short of money. For office workers, the monthly income is fixed, and it is difficult to raise enough funds for emergencies. So which bank loan is better? At present, there are many different financial institutions in China, and everyone should know how to choose them.
I. Classification of banks
1, state-owned bank. We are familiar with state-owned banks and policy banks, such as China Development Bank, China Agricultural Development Bank, Export-Import Bank and China Agricultural Development Bank.
2. Joint-stock commercial banks. China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and China Bohai Bank.
3. City commercial banks. There are also some regional banks in different cities, such as Changsha Bank, Chaoyang Bank, bank of luoyang Bank and Jinzhou Bank, which provide financial services to local citizens.
4. Rural credit cooperatives, namely rural credit cooperatives, rural commercial banks and rural cooperative banks, are suitable for farmers to handle financial business.
5, investment banks, usually in some areas you can see Goldman Sachs Group, Morgan Stanley, Citigroup, Wells Fargo, Societe Generale and so on.
Second, which bank is better for the loan?
1, state-owned bank. If the pursuit of low loan costs, it is more appropriate to go to state-owned banks, because the rate is relatively low, but the application threshold is high and the service attitude is not as good as that of joint-stock commercial banks.
2. Joint-stock commercial banks. There are many domestic outlets, good service attitude and many products. Most users choose these banks, which is convenient for application and quick for payment.
3. City commercial banks. In fact, local city commercial banks also have some high-quality credit products, which can be learned if necessary.
Which lending institution is reliable? Look for these three types of financial institutions!
According to relevant data, the number of people who often use loans has reached tens of millions, which shows that most people solve the financial problem by borrowing. With so many institutions that can lend money on the market, which one is more reliable? Let's take stock of common financial institutions today.
I. Class A banks
We are all familiar with financial institutions, including five state-owned banks and more than a dozen large commercial banks, with outlets all over the country. Basically, you can find business outlets when you go out. The annualized interest rate of such banks is generally low, only about 5%, and the quality customers can be lower. The longest loan period is 30 years.
Although Class A banks have many outlets and low interest rates, the threshold is relatively high. The focus of the audit is whether the customer is in the white list, whether there is RV or other mortgage pledge under his name, and the corporate loan mainly reviews the company's operation, annual bill amount, tax grade, annual turnover, corporate liabilities and personal liabilities, overdue credit information, mortgage pledge, financial statements, etc.
Two. Class b bank
Common foreign commercial banks include HSBC, Citibank, Bank of East Asia, Standard Chartered Bank, Huashang Bank, Hang Seng Bank and Woori Bank. The annualized interest rate is within 10%, and the loan form and nature are similar to those of Class A banks, but the application threshold is lower, but there are fewer bank outlets and products, which are only suitable for some users.
Third, city commercial banks.
There are village banks and city banks in many areas to provide financial services to local users. Generally, the term is as long as ten years of equal principal and interest or three years of interest before capital, and the requirements are relatively loose, mainly considering the repayment ability and real estate situation of customers.