What's the difference between mortgage loans of small banks and big banks?

Advantages and disadvantages of mortgage loans between big banks and small banks

Advantages and disadvantages of big mortgage banks and small banks, bank selection is very important when lending, what is the difference between the four big mortgage banks and small banks? Which bank has the lowest interest rate on home loan? The advantages and disadvantages of big mortgage banks and small banks must be known before buying a house!

Advantages and disadvantages of mortgage banks and small banks 1

Loans from small banks are not risky for buyers. As a lender, banks don't lend at most, or you are not satisfied with the loan interest rate, but you basically have no other risks.

1. Small banks are also regular banks.

At present, many small banks mentioned by everyone are also regular banks. Only after being approved by the People's Bank of China and the China Banking Regulatory Commission and meeting the relevant qualification requirements can they be successfully established. In addition, banks are supervised and managed by the People's Bank of China and the Banking and Insurance Regulatory Commission of China in their daily operations. It can be said that the daily operation of banks is well-behaved and relatively standardized. If there is any violation, the People's Bank of China and the China Banking Regulatory Commission will promptly punish it.

Therefore, small banks are also regular banks and relatively trustworthy banks.

2. Small bank loans are not risky.

The risk of small bank loans can be said to be very small. How much risk do you have when the borrower and the bank pay?

Small banks may not lend you money, and big banks may not lend you money. Also, the loan interest rate may be higher.

But if the loan interest rate is high, you don't have to borrow it. If the bank won't give you a loan, you can also go to other banks.

Generally speaking, even if you borrow from a small bank, as a lender, it can be said that the risk is not great.

3, intermediary recommendation, you can refer to.

Since it is a small bank recommended by the intermediary, it may all be banks with business relations, then you can look at the loan interest rate. If the interest rate is appropriate and the loan approval is fast, then the problem is not big.

Of course, if you are not satisfied with the interest rate of this bank, you can also go to a large bank to ask about the interest rate yourself. If the interest rate of big banks is more favorable, you can also go to big banks for loans.

So you can refer to the recommendation of the intermediary, and you can change it if you are not satisfied.

4. Conclusion

To sum up, the intermediary recommended a small bank to you. As a lender, you can say that the risk is not great. If you think the interest rate is not suitable, then you can also ask the big banks. If it is more suitable, you should be able to borrow money from big banks.

Advantages and disadvantages of mortgage loans, big banks and small banks II

Try to avoid choosing a small bank when applying for a mortgage, mainly based on the following four considerations:

First, the personal housing loan amount of small banks is relatively small;

Second, small banks have poor experience in various financial services;

Third, small banks have high storage costs and strong interest rate uncertainty;

Fourth, the quality of business is not as good as that of big banks, and their ability to resist risks is weak.

Personal housing loans are small.

The first clear concept is "loan-to-deposit ratio", and its calculation method is: loan-to-deposit ratio = loan balance/deposit balance 100%. Before 20 15, the loan-to-deposit ratio of various banks shall not exceed 75%. On June 24th, 20 15, the the State Council executive meeting passed the "Draft Amendment to the Commercial Bank Law of People's Republic of China (PRC)", deleting "75% ratio limit" and replacing it with liquidity monitoring. However, from the above, we can know that "the bank lending quota should be anchored by the deposit quota".

There are many anchoring factors. In addition to handing over the deposit reserve to the central bank for centralized management in proportion, the internal risk control process will also limit the loan amount. However, in terms of the number of outlets and user trust, the storage capacity of small banks is far less than that of large banks, so the overall loan amount is relatively small. Therefore, within the bank, there is often a saying of "deposit for loan".

In addition, on February 28th, 2020, 65438 China People's Bank of China Insurance Regulatory Commission issued the Notice on Establishing the Centralized Management System of Real Estate Loans of Banking Financial Institutions (Yinfa [2020] No.322), which stipulated the upper limit of real estate loans of various banks and individual housing loans.

Poor financial service experience

Banks can never do without enterprises. We might as well use a more intuitive supermarket analogy to banks, so that the positioning of large banks is closer to chain giants, while small banks are closer to community convenience supermarkets. There are great differences between the two in product display and service experience.

The financial products of small banks are far less abundant than those of big banks. Limited by the shortage of daily business volume, it is difficult for small banks to customize the corresponding lending financial products according to their own needs. For example, related personalized products such as "relay loans for elderly people to buy houses" and "customized interest rates for special groups" in big banks are hard to see in small banks.

Small banks are inferior to big banks in financial services. Small banks usually have limited manpower, so they may need a loan manager to connect different businesses and customers, and their personnel are highly mobile, so they are likely to change their business managers in the process of handling loans.

To sum up, the user experience of small bank loans is not good, and limited by the relatively small business volume, the whole loan business process has potential risks of inefficiency and unfamiliarity, and due to the strong mobility of personnel, such as changing the docking manager halfway, the application progress of the whole mortgage is undoubtedly slowed down.

Storage costs are high and interest rates are uncertain.

"Low visibility, few offline outlets, and great pressure on storage", small banks have been seeking solutions on how to obtain more deposits for many years. Offline entities are undoubtedly the most convenient path, but the layout of urban physical network points and offline ATMs has long been fixed in terms of scale and operating costs. It is not the best policy for small banks to deal with a man as he deals with you, let alone the operation and maintenance of physical outlets. There is no doubt that it has pushed up the operating costs of banks. Therefore. Small banks seem to be caught in a vicious circle: expanding outlets → excessive costs → shrinking costs → giving up outlets. This undoubtedly makes the already difficult storage worse.

On the other hand, another sharp weapon to obtain reserves is "interest rate fluctuation", which is not well known for interest rates. However, this method is not a long-term solution. After all, the core of bank profits lies in the deposit-loan spread, so it is abnormal for small banks to float interest rates if they are not required by business. What's more, the rise in interest rates is equivalent to raising the cost of saving money again, which undoubtedly weakens the competitiveness of small banks in lending.

Based on the above two points, the overall savings scale of small banks is small and the cost of absorbing deposits is high, which is reflected in the uncertainty of interest rates in lending business. The underlying assets determine the interest rate of the final product, and the interest rate is affected by the fluctuation of the water source at the storage end. The mortgage interest rate of small banks is far less stable and transparent than that of big banks, which is not good news for borrowers, which means the uncertainty of home ownership cost, which obviously does not conform to the principle of buying a house with stability first.

The quality of business is not as good as that of big banks, and its ability to resist risks is weak.

It is common sense in the banking industry that big banks eat meat and small banks drink soup. Because of its reputation, reputation and strict risk control process, large banks usually give priority to screening better lending business. On the other hand, small banks are at the other extreme. They have to fight for some high-quality businesses, and they have to be selectively accepted in the businesses eliminated by big banks in the face of operational pressure.

Because of this, the overall business quality of small banks is not good, which also means that the overall business risk of banks is relatively high, except for their small scale, their anti-risk ability is inevitably not as good as that of big banks. From another perspective, this is also the main reason why depositors lack trust in small banks.

Advantages and disadvantages of mortgage big banks and small banks 3

Small banks have many uncertainties and high risks, and big banks will be safer and more reliable.

1, loan amount: Small banks have less capital reserves than large banks, so the loan amount may be relatively small.

2. Service experience: In order to complete the business volume, some outlets may ask customers to buy some wealth management, funds and insurance products when handling mortgage loans.

3. Convenience: There are relatively few small bank outlets. Unlike the big banks with perfect service systems, there are almost all service outlets in China. If customers need to handle business or have questions, small banks are not as convenient as big banks. Although the repayment can be deducted, it is more convenient to have a branch nearby.

4. Loan efficiency: When applying for a mortgage loan, if the bank refuses, the loan may be postponed. And if the approval and loan are delayed, we still have to contact the developer to avoid problems in handing over the house.

Is it better to get a mortgage in a small bank or a big bank?

Is it better to get a mortgage in a small bank or a big bank? In real life, many people will go to the bank to borrow money to buy a house when they buy a house, so that they can enjoy life with their future money. Next, I will take you to know whether a small bank has a good mortgage or a big bank has a good mortgage.

Is it better to get a mortgage in a small bank or a big bank? 1

Users are advised to choose big banks when handling mortgages. On the one hand, large banks have sufficient loan lines, on the other hand, they are more formal in handling various procedures. It will be easier for small banks to apply for mortgages. In order to attract users to handle mortgage business, the loan interest rate will be low, but there are relatively few small bank outlets. In fact, banks do not distinguish between size, and the difference in size can only be said to be relative.

In addition, when users apply for mortgages, developers sometimes recommend users to go to cooperative banks to apply for mortgages. In this case, they can choose to go to the developer cooperative bank to apply for a mortgage.

Materials to be prepared for mortgage application

1, bank flow in the last 6 months

It is best to earn twice the monthly payment. Otherwise, banks may refuse loans because of wall risks;

2. Go to work and issue a certificate of income.

The income certificate should flow to the bank, otherwise the bank will feel fraudulent;

3. Provide personal marriage certificate

Married people should provide marriage certificate and single certificate. It is convenient to identify the ownership of real estate, otherwise it is considered that the house is not good in court;

4. Finally, the most important ID card and household registration book of the repayment person.

The identity card and household registration book of the repayment person must be prepared.

Reasons why the mortgage application is not approved

1. There is a record of overdue repayment.

When handling repayment, it is a very important reference for the lender's credit report. If the report shows that the lender has a record of overdue repayment, then the probability of refusing the loan is very high.

2. The loan information is incomplete.

If the lender's information is incomplete, the bank will also refuse the loan.

3. The loan information is untrue.

Some property buyers are worried about their low income and low loan amount, so they will submit false information, but if the bank finds out, it will definitely refuse the loan.

4. Weak repayment ability

Whether the loan can be successful has a lot to do with the lender. If the lender's repayment ability is insufficient, then the bank needs to take higher risks and the probability of mortgage rejection will increase.

5, debt is too high

The monthly payment of the lender should not exceed 50% of the family income. If this limit is exceeded, the loan is likely to be rejected. Even if you can get a loan, the loan amount is not high.

Is it better to get a mortgage in a small bank or a big bank?

New house loan process and matters needing attention in new house loan

Step 1: Before applying for a loan, the buyer must first provide a personal housing mortgage loan commitment letter to the bank. Then, the buyer applies for personal housing mortgage loan, fills in the loan application approval form, and submits relevant materials (original and photocopy of down payment voucher, sales contract, ID card, proof of economic income source, etc. ) to the loan bank;

Step 2: Sign and seal the "Guarantor's Opinion" column of the loan application form;

Step 3: The bank reviews all the materials and documents submitted by the loan personnel and approves them step by step;

Step 4: Take back the completed procedures, and then issue loans according to the legally effective loan contract;

Step 5: Go to the housing management office to handle the registration procedures of real estate mortgage;

Step 6: Inform the developer to get back the loan contract, and the developer will issue a certificate of paying off the house payment to the loan bank;

Step 7: Inform the borrower about the loan contract, IOU and insurance policy;

Step 8: File the loan file.

1, make good use of the provident fund

The interest on provident fund loans is relatively low, so it is very important to make good use of your own provident fund. At present, the amount of provident fund loans generally does not exceed 80% of the total house price, and the longest loan period is 30 years; Therefore, provident fund loans should be used well.

2, multi-party comparison and selection of banks

Different bank down payment ratio, loan term and loan interest rate all have choices. Choose the corresponding personal loan scheme for different customer groups. When the living room handles personal housing loans in the bank, it can transfer the housing loans to the bank that suits it.

3. Comprehensive measurement of interest rate concessions

Interest rate is an important price factor in mortgage loan. Many commercial banks will offer personal housing loan services with fixed interest rate, so that buyers can choose fixed interest rate loans or floating interest rate loans according to their own judgment on the future interest rate trend.

4. Repay on time to avoid penalty interest.

After handling the mortgage, the customer should ensure that the loan is repaid on time every month. If they can't repay the loan in time, they will not only pay the penalty interest to the bank, but also affect their credit history. This kind of loss is far from being compensated economically.

Is it better to get a mortgage in a small bank or a big bank?

How many years is it appropriate to buy a house loan?

The choice of loan term can be determined according to family income. The shorter the loan term, the less interest the lender pays to the bank, but the higher the monthly repayment amount, the greater the repayment pressure. On the contrary, the longer the loan term, the higher the interest the lender pays to the bank, but the monthly repayment amount will be reduced and the repayment pressure will not be so great. Therefore, how many years to choose a house loan is appropriate, depending on your family income level.

Many people worry that the loan term is too long and they will bear too much interest, so they choose a loan term of less than ten years regardless of their income. For these people, some loan experts believe that "don't be afraid of banks earning interest". If inflation is taken into account, the money will become worthless in the future, so it may not be so difficult to borrow it for a few more years.

What is the minimum down payment?

The state stipulates that the minimum down payment for a loan to buy a house can be 20% of the total house price, but the bank will review personal credit and so on. If it is not a black household, loans can generally be approved. But you can ask the bank staff first when you borrow money. Don't wait until the down payment is 20%, and the loan won't come down, then it will be troublesome.

At present, loans to buy a house can be divided into provident fund loans and commercial loans. Before making a loan, you should know how much money you have in your provident fund account and how much money the unit gives you every month. The interest rate of provident fund loans will be lower than that of commercial loans. Commercial loans can be combined with provident fund to make a combined loan. If you want to borrow a lot of money, but the provident fund is not enough, you can apply for a portfolio loan.

Is it better to have a big mortgage or a small bank?

Banks are common things in our lives, and there is no difference among all kinds of banks in the streets. Many people only handle big bank cards. Share with you, is the mortgage good or the bank small?

Is it better to have a big mortgage or a small bank 1

Four lines are good. Compared with some smaller banks, the four major banks are symbols of authority in people's minds, with high reliability and trust, which is also the main reason why people tend to choose the four major banks. And all the formalities and procedures are clear, and there is nothing fishy at all.

Compared with some smaller banks, the service system of the four major banks is relatively sound, and there are service outlets all over the country, so the question consultation is relatively simple. The four major banks have done a good job in information transparency, especially in loan interest rates. The loan interest rate is the most concerned issue when people apply for housing loans, so it will give people a sense of peace of mind.

Extended data

Loan application information

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Is it better to have a big mortgage or a small bank?

Try to avoid choosing a small bank when applying for a mortgage, mainly based on the following four considerations: First, the personal housing loan amount of a small bank is relatively small; Second, small banks have poor experience in various financial services; Third, small banks have high storage costs and strong interest rate uncertainty; Fourth, the quality of business is not as good as that of big banks, and their ability to resist risks is weak.

Personal housing loans are small.

In addition, on February 28th, 2020, 65438, the China Insurance Regulatory Commission of the People's Bank of China issued the Notice on Establishing the Centralized Management System of Real Estate Loans of Banking Financial Institutions (Yinfa [2020] No.322), which stipulated the upper limit of the balance of real estate loans of various banks and individual housing loans, as shown in the following figure.

It is not difficult to see from the figure that the upper limit of individual housing loans of small banks is much lower than that of large and medium-sized banks. To sum up, small banks are inevitably stretched in terms of personal housing loan quota. The basic logic is as follows: "Small deposit scale → small loanable amount → small balance of personal housing loan → insufficient personal housing loan quota".

Poor financial service experience

Storage costs are high and interest rates are uncertain.

"Low visibility, few offline outlets, and great pressure on storage", small banks have been seeking solutions on how to obtain more deposits for many years. Offline entities are undoubtedly the most convenient path, but the layout of urban physical network points and offline ATMs has long been fixed in terms of scale and operating costs. It is not the best policy for small banks to attack their strengths with their own shortcomings, not to mention the operation and maintenance of physical networks, which undoubtedly pushes up the operating costs of banks. Therefore. Small banks seem to be caught in a vicious circle: expanding outlets → excessive costs → shrinking costs → giving up outlets. This undoubtedly makes the already difficult storage worse.

The quality of business is not as good as that of big banks, and its ability to resist risks is weak.

abstract

In fact, how to choose a bank to make a mortgage depends on personal circumstances. Although small banks have some shortcomings, as long as they are approved formal banks, the overall safety level of mortgage products is generally high. But since you can choose, why not apply for a more reliable and widely recognized big bank?

Is it better to have a big mortgage or a small bank?

The difference between mortgage loans of the four major banks and small banks

The four major banks refer to China Construction Bank, China Industrial and Commercial Bank, China Bank and Agricultural Bank. What's the difference between the big four banks and small banks?

1, the loan threshold is different, the loan threshold of the four major banks is high, and the loan threshold of small banks is low;

2. The loan interest rate is different. The loan interest rates of the four major banks are low, while the loan interest rates of small banks are relatively high.

3. The lending time is different. The lending time of the four major banks is slow, while that of the small banks is fast.

4. The loan procedures are different. The loan procedures of the four major banks are more complicated, while the loan procedures of small banks are relatively simple.

5. With the same personal qualifications and different loan quotas, under the same conditions, the loan quotas that can be applied for in the four major banks are lower, while the loan quotas that can be applied for in small banks are higher.

6. The loan qualification examination is not feasible. The four major banks have strict loan qualification examination, while the small banks have relaxed loan qualification examination.

The difference between mortgage loans of big banks and small banks

The difference between mortgage loans of big banks and small banks. Nowadays, many people will go to the bank for loans when buying a house, but the mortgages of big banks and small banks are different. Next, I will take you to understand the difference between mortgage loans of big banks and small banks.

The difference between mortgage loans of big banks and small banks 1

1, the loan threshold is different, the bank's loan threshold is high, and the small loan company's loan threshold is low.

2, the loan interest rate is different, the bank's loan interest rate is low, and the small loan company's loan interest rate is high.

3. The lending time is different, the bank lending time is slower, and the small loan company lending time is faster.

4. The loan procedures are different. The loan procedures of banks are more complicated, while those of small loan companies are simpler.

5, the same personal qualifications, different loan quotas, usually the loan quotas that banks can apply for are low, and the loan quotas that small loan companies can apply for are high.

The difference between mortgage loans of big banks and small banks II.

What are the general requirements of banks for running water when applying for a mortgage?

1, ordinary working class

Generally speaking, different types of people apply for mortgage loans from banks. If you are an ordinary working class, the bank mainly looks at your salary, as well as your monthly account balance and daily average balance. After all, if the bank gives you a loan, it depends on whether you can bear it.

2, small and medium-sized enterprise owners and individual operators

It is said that the word "I" is not in the forefront, so now many people will choose to start a business and set up their own company. Therefore, for small and medium-sized business owners, the bank will mainly check your import and export account and time deposit balance. It is best to show that there is a relatively stable entry in the bank flow at a fixed time every month, which is also a kind of trust for the bank. After all, banks have to take risks when they borrow money.

The difference between bank running water and income certificate

1, bank flow

Bank flow mainly refers to the flow of personal income provided by borrowers, which is a list of deposit and withdrawal business transactions between individuals and banks over a period of time. When handling a mortgage, the required bank flow mainly refers to wage income, but not limited to wages. Bank running water can also include other personal income, such as the monthly rent paid by tenants.

2. Proof of income

The income certificate mainly shows your current monthly income and annual income level, which is generally issued by the borrower's unit and stamped with the official seal of the unit.

In fact, in the proof of bank flow and income, banks pay more attention to bank flow, because bank flow reflects the borrower's monthly income for a period of time, which is more convincing.

Banks usually want to see the borrower's stable and reasonable bank flow, and they must also ensure that the income of the bank flow is roughly the same as the income certificate. The ups and downs of bank traffic are usually not favored by banks.

The difference between mortgage loans of big banks and small banks 3

The difference between a company opening a basic account in four big banks or a small bank.

There are three main differences, as shown below.

1. In terms of registration, the four major banks generally require higher registered capital, while small banks will relax a lot in this respect.

2. In terms of convenience, the four major banks can handle business in most areas thanks to the national and even global systems, while small banks are greatly discounted in this respect.

3. Administratively, the four major banks may require multiple attendance and repeated signatures, with higher management fees, while small banks may be relatively better at this point.

Extended data

Information required to open a bank account:

1, little red book rental voucher

2. Legal person ID card and its copy.

3. Original and copy of business license

4. Public, financial and private seals

5. Notice of tax payment

Why do small banks have fast mortgage loans and low interest rates? The answer is actually very simple.

Friends who have had experience in applying for a mortgage may find that it may take about 1 month to apply for a mortgage in a big bank. If you add the time for approval and lending, the mortgage process cannot be completed without three months. Many borrowers have asked why the mortgage interest rate of small banks is low. The answer is actually very simple!

Why do small banks have fast mortgage loans and low interest rates?

Small banks lend fast and interest rates are low, in fact, in order to compete with big banks in the market. The strength behind the capital of big banks is often the advantages of the country, sufficient loan amount and high trust of customer groups. If small banks want to compete with big banks for market share, they need to form some advantages in some places.

Fast lending speed and low mortgage interest rate are the advantages that small banks can give customers. In addition to competing with big banks, small