It's too simple to ask.

First of all, is your property a full house or a mortgage house? How big is your capital demand? Banks can mortgage, but the credit threshold is very high. If your credit information is defective, you can't mortgage Shenzhou-9 and borrow 1 000 yuan from the bank (except for political interference). Of course, if you have the ability of political intervention, you don't need a mortgage.

It seems that the lowest interest rate of bank mortgage real estate loan is only about 0.8, which is slightly lower than the interest rate of small loan companies outside. I heard that the lowest monthly interest rate is only 0.52. I don't know whether small loan companies belong to formal financial institutions. Many small loan companies under Ping An Bank have a minimum monthly mortgage interest of 0.89 (personally, it is a big brand).

If your credit information is good, you can choose to find a bank as collateral, which can be up to 70% of the evaluation price, but the loan procedure is a little more complicated and takes a little longer.

If your credit information is flawed or even illegal, then you can only choose small loan companies or even private lending companies.

It's not that small loan companies don't look at and review credit information, but as far as banks are concerned, they pay less attention to credit information. If only the credit information is flawed, they can choose small loans. If they are black households, then you have no choice but private lending companies.

The monthly interest rate of small loan companies is probably above 1%. You can choose equal principal and interest, or you can choose the repayment method of interest first and principal later. As far as I know, the longest loan period is five years.

Small loan companies lend basically the same as banks, except for management fees (some are called lending fees, and some are called platform management fees because of different brands). Ping An Bank charges the platform management fee, which is 3% of the loan amount.

It seems that ABC is 5%. Other banks don't know that small loan companies also have this fee.

In addition, there is no handling fee for personal fund lending, except interest, but the interest is generally not less than 3% a month.

Which method is better for mortgage loan of Wuhan Construction Bank?

Wuhan Construction Bank mortgage loan, which way of general funds is better?

Equal principal repayment. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. This method is very suitable for people with higher income, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation. Considering that their income may decrease with retirement and other factors, they can choose this way to repay their debts.

What conditions does Wuhan Bank need to meet for mortgage loan? What information do you want?

It depends on the way! Mortgage loan application materials

(1) Credit business application;

(2) The latest financial statements of the borrower and the mortgagor;

(3) resolutions of the board of directors of the borrower and the mortgagor;

(4) Letter of Commitment on Credit Guarantee issued by the Mortgagor;

(5) Proof of ownership and insurance of collateral;

(6) An appraisal report on the value of collateral issued by an asset appraisal institution recognized by the bank;

(seven) the payment plan and the source of repayment;

(8) Business contracts related to loan purposes.

Mortgage loan method

Mortgage is divided into high-level mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to guarantee the creditor's rights that occur continuously for a certain period of time with collateral, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

(3) if there is a maximum mortgage, it must exceed the maximum payment;

(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.