In fact, the interest rate of mortgage loans is similar to that of each bank, and the interest rates of each bank are basically the same. The interest rate is not set by the banks themselves, but is 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 small loans, 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.
Due to the risk of loan funds, banks will conduct risk control management for each loan, which means that the same bank will provide different loan interest rate conditions for borrowers with different qualifications. So the question of which bank has the lowest loan interest is meaningless to an ordinary borrower. Under the background of the current national loan restriction, it should be more important for the borrower to successfully handle a suitable real estate mortgage loan!
When the bank evaluates the borrower's loan qualification, the staff will consider the borrower's repayment ability. They will analyze the materials provided by borrowers, such as credit records, bank statements, work income certificates, asset reports, etc. , roughly calculate the borrower's monthly income and monthly expenditure, and get the monthly repayment ability. Then, combined with the borrower's loan amount and monthly payment ability, we can determine what kind of repayment method and loan term the loan customer should choose.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836