Which bank is the mortgage loan?

Which bank is good for house mortgage? These banks have their own advantages!

China's financial industry has developed rapidly in recent years, and all major banks have different loan products. If you want to apply for a mortgage loan, it is also important to choose a good bank. Today, I will briefly introduce which bank mortgage is good. Everyone can choose freely according to their own needs.

1, China Construction Bank

As one of the four state-owned banks, CCB has a wide distribution of outlets and low interest rates, so many people who buy a house will consider CCB first. It is said that the annual interest rate of CCB is about 6%, which is several thousand yuan less than that of other banks, and the mortgage amount is high, so the subtle differential interest will vary greatly.

2. Industrial and Commercial Bank of China

The business efficiency of Universe Bank is very high. It is said that it can be done in five working days at the earliest, while other banks need at least half a month. So if you want to get a mortgage quickly, you can give priority to ICBC.

3. Bank of China

Generally, people who use mortgage loans need more funds, so try to choose a bank that supports revolving line, while China Bank has the simplest process and fast procedures, so if you want to apply for loans most flexibly, you can learn about the mortgage of China Bank.

Banks have different means to control risks and different requirements for mortgaged houses, especially the location and apartment type of houses, which are biased towards houses located in the city center; Some attach great importance to housing types and do not accept shops, office buildings, etc. , but only ordinary houses are accepted. These questions should be asked clearly to avoid loan rejection.

Which bank is the best for 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 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. The syndicate 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 cycle collapse and lack of loans very simple, so it is evaluated with the least effort.

Which bank property is low in mortgage interest rates?

If you want a loan, the first choice is the bank, and there are not a few people who go to the bank to apply for a loan every day. When people apply for a large mortgage loan for real estate, the interest of the loan is also a problem that we must consider. So, which bank has the lowest mortgage interest rate? Let's talk about it in detail. The mortgage interest rates of the four major state-owned banks are relatively low ... If you want to know in detail which bank has the lowest real estate in mortgage interest rates, let's take a look with China Travel. Bian Xiao.

Which bank has the lowest property in mortgage interest rates?

First of all, the loan interest of the four major state-owned banks is relatively low.

The interest on mortgage loans is similar to that of every bank. Interest is not set by the banks themselves, but required by the CBRC, and banks have only weak adjustment authority.

Generally speaking, the interest rates of the four major state-owned banks are relatively low: China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank; These four banks handle mortgages quickly, but the data review is very strict. Other small banks have less loans and are slow, but the requirements are simple.

If you have to say which bank's mortgage interest rate is relatively low, then under normal circumstances, some big banks, led by Industrial and Commercial Bank of China and Agricultural Bank of China, have relatively low loan interest rates. With the marketization of loan interest rates, most joint-stock commercial banks have the right to decide their own loan interest rates, and the loan interest rates of different banks are different.

So much for the introduction of which bank the mortgage loan is.