1, Bank of China: The Bank of China, which is close to the homes of ordinary people, has changed its image in the past and has become a good helper for ordinary people to buy houses.
"Happiness is thirty years earlier" is a service greeting of "China Bank", which consumers can feel both outdoors and in the subway.
2. Agricultural Bank: To build a "golden key" mortgage brand, Guangzhou people who are concerned about the housing loan business all know the "golden key" housing finance supermarket of Agricultural Bank.
The "Golden Key" housing credit brand launched by "Agricultural Bank of China" has diversified types, unified service standards and flexible and convenient repayment methods, and has gradually become the brand business of housing loans in Guangdong.
Extended data:
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee.
If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
How to choose a mortgage bank
1. Look at the mortgage interest rate. The interest rate is directly related to the mortgage interest expense.
Since the new mortgage policy was issued by the central bank on March 17 this year, commercial banks have cancelled the preferential interest rate for housing loans from their own accounts, returned to the loan interest rate level in the same period, implemented lower limit management, and implemented differentiated interest rates for housing loans according to different regional structures and customer structures.
2. Look at the repayment method, which is an important choice that mortgage borrowers must face, because the appropriate repayment method can not only save interest expenses, but also reduce the repayment pressure.
From the point of view of convenient adjustment of repayment period and repayment amount, the lender should choose a bank that can provide multiple repayment methods. The choice of repayment method depends on the lender's stable monthly income.
3. Looking at the adjustment method of interest rate, the current adjustment method of bank mortgage interest rate is not "one-year fixed", but is determined by both borrowers and borrowers according to commercial principles. It can be adjusted monthly, quarterly or annually during the contract period, or it can be fixed.
Different banks have different regulations on interest rate adjustment methods, some allow customers to choose, and some implement the same interest rate adjustment method for all customers.
4. Looking at the penalty interest level again, since the central bank issued a new mortgage policy on March 17, which gave commercial banks the right to decide the penalty interest rate of mortgage independently, banks have stepped up their efforts to calculate the penalty interest rate of mortgage from 0.02 1% per day to 30% to 50% higher than the loan interest rate agreed in the loan contract.
Which bank should I use for housing loan?
Which bank should I use for housing loan?
Go to the rural credit cooperative for a loan.
Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral.
Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.
China industrial and commercial bank low interest rates,
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
Which bank is good for housing loan?
Hello, if you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Which bank is good for personal housing loan?
China Construction Bank is better. Relatively speaking, it takes a long time for CCB to handle housing bank loans, and the procedures are relatively simple. The most important thing is that CCB's mortgage can reach 70% at most and its service life is longer. In this way, the money left after the down payment can be used for specialization or business turnover, and the interest of housing banks on the street is also lower than other mortgage loans.
Which bank is good for Harbin housing loan?
It's easier for CCB. Go to CCB for consultation.
Help: Which bank is good for personal housing loan?
(China Merchants Bank) to apply for housing loans, it is required to comply with the local housing purchase policy, and the age plus loan period should not exceed 70. At the same time, proof of identity, proof of use and proof of income are required. , and specifically contact the loan handling bank for consultation.
If you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Which bank has more housing loans?
More housing loans?
It should be China Construction Bank. But what does this have to do with you? Which bank has a low interest rate, go to which mortgage.
Which bank is good for housing loan? What are the advantages of Huaxia Bank's mortgage?
The national mortgage interest rate is the same. The benchmark is 6.48% for five years, 6.84% for three to five years, 6.3% for 1-3 years, and 6. 1 year.
For marketing purposes, the bank gives 15% interest rate preference to borrowers who buy houses for the first time. In fact, the execution interest rates are: 5.508% for five years, 5.8 14% for three to five years, 5.355% for 1-3 years, and 5.202% for 1 year.
By the way, this time division is based on the total application period. That is to say, when you apply for a loan for three or five years, the annual interest rate is 5.508%; when you apply for a loan for six or thirty years, the annual interest rate is 5.8/kloc-0.4%, even if you pay it off in the last five years. Different application years correspond to different grades, and the loan period should also be considered clearly.
Which bank is good for housing loan?
If there is a local China Merchants Bank outlet, you can try to apply for a personal housing loan through China Merchants Bank. It is required to comply with the local purchase policy, and the age plus loan period shall not exceed 70 years old. At the same time, it is necessary to provide proof materials such as use certificate, identity certificate and income certificate. Please contact the personal loan manager for details.
Which bank loans to buy a house?
If your city has China Merchants Bank, you can try to apply through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and choose 3 people to provide customer service -3-3-8 to provide loans, so as to learn more about the city.
Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
Which bank has a good mortgage, and how to choose a mortgage bank?
Although there are many loan companies besides banks that can provide loans for everyone, if you want to borrow money when buying a house, you still have to borrow money from banks. But now there are many banks that can provide mortgage loans, and many people don't know how to choose. Next, let's learn which bank has a good mortgage and how to choose a mortgage bank.
Although there are many loan companies besides banks that can provide loans for everyone, if you want to borrow money when buying a house, you still have to borrow money from banks. But now there are many banks that can provide mortgage loans, and many people don't know how to choose. Next, let's learn which bank to apply for a mortgage and how to choose a mortgage bank.
Which bank has a good mortgage?
1, Bank of China: The Bank of China, which is close to the homes of ordinary people, has changed its image in the past and has become a good helper for ordinary people to buy houses. "Happiness is thirty years earlier" is a service greeting of "China Bank", which consumers can feel both outdoors and in the subway.
2. Agricultural Bank: To build a "golden key" mortgage brand, Guangzhou people who are concerned about the housing loan business all know the "golden key" housing finance supermarket of Agricultural Bank. The "Golden Key" housing credit brand launched by "Agricultural Bank of China" has diversified types, unified service standards and flexible and convenient repayment methods, and has gradually become the brand business of housing loans in Guangdong.
3. Industrial and Commercial Bank of China: It took the lead in promoting individual housing portfolio loans, and launched new business varieties such as individual housing portfolio loans, down payment loans for individual commercial housing, mortgage loans for commercial housing, and short-term loans for real estate development enterprises. Among them, most citizens are concerned about individual housing portfolio loans.
4. Construction Bank: Provide all-round convenience and housing services. The personal housing loan provided by CCB is complete, which is applicable to both individuals who buy houses in the primary housing market and individuals who buy second-hand houses in the secondary housing market.
How to choose a mortgage bank
1. Look at the mortgage interest rate. The interest rate is directly related to the mortgage interest expense. Since the new mortgage policy was issued by the central bank on March 17 this year, commercial banks have cancelled the preferential interest rate for housing loans from their own accounts, returned to the loan interest rate level in the same period, implemented lower limit management, and implemented differentiated interest rates for housing loans according to different regional structures and customer structures.
2. Look at the repayment method, which is an important choice that mortgage borrowers must face, because the appropriate repayment method can not only save interest expenses, but also reduce the repayment pressure. From the point of view of convenient adjustment of repayment period and repayment amount, the lender should choose a bank that can provide multiple repayment methods. The choice of repayment method depends on the lender's stable monthly income.
3. Looking at the adjustment method of interest rate, the current adjustment method of bank mortgage interest rate is not "one-year fixed", but is determined by both borrowers and borrowers according to commercial principles. It can be adjusted monthly, quarterly or annually during the contract period, or it can be fixed. Different banks have different regulations on interest rate adjustment methods, some allow customers to choose, and some implement the same interest rate adjustment method for all customers.
4. Looking at the penalty interest level again, since the central bank issued a new mortgage policy on March 17, which gave commercial banks the right to decide the penalty interest rate of mortgage independently, banks have stepped up their efforts to calculate the penalty interest rate of mortgage from 0.02 1% per day to 30% to 50% higher than the loan interest rate agreed in the loan contract.
The previous article is about which bank has a good mortgage and how to choose a mortgage bank. Have you learned anything about this through the above article? Now many banks have provided loans for home buyers. When applying for a mortgage, you can ask several banks and decide which one to choose.