Banks that can handle real estate licenses as mortgage loans: China 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, compared with the mortgage loans of local commercial banks or credit cooperatives, the interest rate is lower and the loan term 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.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
6. At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property can't be used for mortgage loans generally, which needs attention.
Although banks can handle mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is very likely to be rejected by the bank. At this time, you can consider the loan company.
Which bank is the mortgage loan for real estate in different places
The following are some banks that may provide mortgage loans for off-site properties:
1. Bank of China: Support off-site mortgage loans, and the specific policies need to be determined according to the regulations of local branches.
2. China Construction Bank: To support off-site mortgage loans, it must meet the requirements of local branches.
3. Agricultural Bank of China: To support off-site mortgage loans, it must meet the relevant requirements of local branches.
Which bank is better for real estate mortgage loan?
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.
Which bank property is low in mortgage interest rates?
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 more than three consecutive loans and no more than four small internet loans within two years, and there is no requirement for the number of inquiries. 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. China Construction Bank. It is also required that there should be no three consecutive inquiries, no more than six inquiries within six months, no more than three internet small loans, a business license for one year, and a monthly interest of 3% 2.
3. Bank of Communications. You can't have three troubles for six times, the number of inquiries can't exceed six times in half a year, the business license is more than half a year, and the monthly interest is 3% 2.
Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.
Mortgage loan of real estate license actually refers to the types of bank loans mortgaged by commercial houses that customers already own and can be listed and circulated. It differs from second-hand housing loans and first-hand housing loans in that the real estate ownership that customers already own collapses, rather than being owned soon. 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 speculation are not allowed. Require the mortgage loan to be used for special purposes, and accept the supervision of lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.
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Want to use real estate license as collateral, who knows which bank can handle it?
Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies.
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.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
Requirements of real estate mortgage loan for real estate;
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
Requirements of real estate mortgage loans to borrowers:
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
Other conditions stipulated by the bank.
1. Application materials for real estate mortgage loan:
2. Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
3. Identity cards of the obligee and his spouse;
4. Household register of the obligee and spouse;
5. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. ); 6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
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. Bank 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 revolving loan very simple, so it gets the most labor-saving evaluation.
Let's talk about real estate mortgage loans and the introduction of other banks.