There are too many lending institutions and banks that handle real estate mortgage loans, which one to choose has become a headache for many customers, because it is very important to consider security, interest rate, amount and loan. The speed difference between different banks and institutions may be about 1 month. So, which bank is good for real estate mortgage loan? Which bank has the lowest mortgage interest rate?
Comparative application conditions
Different banks have different conditions to apply for real estate mortgage loans, such as credit status, personal income, work unit, repayment ability and so on. Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers in debt can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgage.
Comparative loan interest rate
Compared with credit loans, the risk of real estate mortgage loans is lower because there is real estate as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different, and the loan interest rates of the same bank in different regions will be different.
At present, the mortgage interest rates of banks are all floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it
Compare approval speed
There are many procedures in the real estate mortgage bank, and the approval time will be longer. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.
Compare loan amount
Generally speaking, the amount of mortgage bank loan is related to the assessed value of the house, and the highest is about 70%.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836
Where can I do it in Tangshan
1, bank loans should be the most reliable, but you can't apply if you have insufficient personal conditions, so I recommend the hot online lending platform. Now these loan openings are basically 0 guarantee and 0 mortgage. As long as you provide personal identity information, the application is simple and easy to operate, and the loan review speed is very fast.
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4. Many banks in Tangshan can handle it. You can call for advice. If you need funds urgently, you can also try the online loan platform. As long as you have good credit information or sesame score above 600, you can apply only by providing your real identity information and bank card, without any mortgage or guarantee. Online lending platforms are generally the same, but depending on the platform you choose, the loan amount you can get is different.
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