Ping An Bank
Second, which bank mortgage loan is easy to pass?
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 status, overdue status and running water, and then choose a bank with low interest rate, long term and high amount to operate in a bank that can accept your real estate mortgage business. 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, 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 fluctuate on the basis of the benchmark interest rate issued by the central bank, while the Construction Bank insists that the benchmark expected annualized interest rate remains unchanged, and the one-year annualized interest rate is only 6%. If you borrow 500,000 yuan and repay it in one year, the capital cost is only 16400 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 limit, borrowers don't have to greet the bank every time they get or repay, let alone waste time repeatedly handling mortgage registration procedures and signing loan equality matters. This makes revolving loan very simple, so it gets the most labor-saving evaluation.
Third, the e-loan mortgage process of rural commercial banks?
The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.
2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.
Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.
Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.
4. Which bank mortgage loan is better?
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%.
2 If banks, including Bank of Beijing, Bank of Nanjing, South Bank of Bank of Ningbo, Bank of Changsha, bank of dalian, etc. , the review process is relatively simple and the time limit 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 borrower's qualifications are average.
When applying for a mortgage loan, it is often that the lender can mortgage the loan if he has a house, and the scope of collateral is wide. 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.