2. Foreign banks will set a minimum loan standard for the loan amount, and limit the property rights and years of loans;

3. Foreign banks will limit and narrow the scope of loans to borrowers and the properties they want to mortgage. Foreign banks have limited banking outlets, so it is not very convenient for borrowers to repay;

4. Domestic banks provide common people with provident fund loans, commercial mortgages and mixed loans, which are very rich in types and have relatively low interest rates, while foreign banks are usually unable to use provident fund loans.

These are the reasons why foreign banks are not chosen for mortgage loans.

Introduction of mortgage of foreign banks

Foreign banks have certain advantages in housing loans, and their risk management will be stricter, especially in the aspects of lender qualification examination, loan project selection and loan amount. Foreign banks have relatively high regulations on personal credit. Secondly, foreign banks have obvious advantages over banks in China in the number of loans. For example, if you buy a house with a loan value of 6,543,800 yuan, you can get a loan of 600,000-700,000 yuan if it is approved. Although the service quality of foreign banks is particularly high, they can provide one-to-one service to customers, but the charging standard is relatively high. The loan review of foreign banks is faster and more convenient, and there is no minimum limit on the amount of money repaid by lenders. This article is mainly about why foreign banks are not chosen for mortgage loans, and the content is for reference only.