Hello, I'm glad to answer your question.

Today, buying a house by loan has become the first choice for most buyers. Of course, this is because the house price remains high, but buying a house by loan is not a simple matter, which involves mortgage interest rate, bank selection, personal credit information, interest and other aspects.

Take how to choose a bank as an example. In fact, your statement can be modified, because choosing a bank can't "follow the crowd". Different banks have different requirements for buyers. For example, if you have a bad credit record, then the four major banks will generally lend money, while some banks can. Therefore, when choosing a bank, it's not about which bank you choose, but which bank can lend it to you.

Let's talk about it in detail. How to choose a bank when choosing a loan to buy a house?

I think we should make clear the differences between banks before we figure out which bank to choose. The differences between banks are mainly reflected in the down payment ratio, lending time, mortgage interest rate and so on.

As we all know, buying a house by loan has become the first choice for most people, but how to choose a bank is unknown to many people. I think the differences between banks are mainly reflected in the down payment ratio, loan time, mortgage interest rate and work.

the first limiting factor: down payment ratio.

With the rising house prices, many banks are slowly "tightening" the down payment ratio in order to reduce risks. For example, 3% down payment was allowed before, but now it has been increased to 4%. Therefore, if your house purchase budget is limited, banks that only allow 4% can't choose; Of course, if you have a stable job and your monthly salary is tight on time, some banks may also relax the down payment ratio to 3%.

the second limiting factor: the lending time.

objectively speaking, if you have no credit problems, banks will generally grant loans to you, but there is a problem that needs attention, that is, how long it takes to get loans. According to the information, at present, domestic cities have begun to stop second-hand housing loans. Although this has not happened in new houses for the time being, the time for lending is also extending.

The data shows that many banks have extended their lending time to three months, and the longest is more than six months. More importantly, some banks don't even promise the lending time, which means that even if you submit the relevant procedures, the banks have passed the examination, but there may be delays in lending. Therefore, when you choose a bank, you'd better know in advance that the lending time of each bank is uncertain.

According to the author's understanding, China Bank, China Construction Bank, Agricultural Bank, China Everbright Bank, Industrial Bank, etc. don't promise specific lending time, but considering that the situation in each city is different, it is better to find out on the spot.

the third limiting factor: mortgage interest rate.

In this respect, there is no essential difference between most banks. Take Wuxi as an example, the interest rate of the first home commercial loan is generally 5.9%, and the highest is 6%. The interest rate of commercial loans for second homes is generally 6.15%, ranging from 6.1% to 6.2%.

it may be said that the mortgage interest rate is not very vivid. for example, if the mortgage interest rate is 5.9%, it will cost 5,931 yuan a month, and if the mortgage interest rate is 6%, it will cost 5,995 yuan a month.

according to the same calculation method, if the mortgage interest rate is 6.1%, you need to repay the loan by 6,59 yuan per month; if the mortgage interest rates are 6.15% and 6.2%, you need to repay the loan by 6,92 yuan and 6,124 yuan per month. Generally speaking, the impact of the mortgage interest rate is not great, but it should be taken into account. Which bank to choose for buying a house should be decided according to your own situation.

Considering that everyone's situation is different, what is suitable for others may not be suitable for you. For example, there are differences among banks in the down payment ratio, lending time, mortgage interest rate and work mentioned above.

in addition, different banks have different requirements for property buyers. for example, some banks are not strict about credit reporting, while the four major banks attach great importance to credit reporting. From this perspective, buying a house with a loan is actually not that you choose a bank, but that the bank chooses you more.

if you have other different opinions, you can comment below!

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