What bank loan is good for lending?
1, Bank of China loans are good for lending: approaching the homes of ordinary people. Bank of China? Its great feature is that it has changed the image of banks in the past and become a good helper for ordinary people to buy homes. ? Happiness is thirty years earlier? Can consumers feel it everywhere outdoors? Bank of China? Service greetings from.
2. Agricultural Bank of China: Building? Golden key? Mortgage brand. Guangzhou people who are concerned about the housing loan business know? Agricultural Bank of China? what's up Golden key? Housing finance supermarket. ? Agricultural Bank of China? Launched? Golden key? Housing credit has become the brand business of housing loans in Guangdong because of its diverse brand types, unified service standards and flexible and convenient repayment methods.
3. China Industrial and Commercial Bank: the first individual housing portfolio loan. New business varieties such as personal housing portfolio loans, personal commercial housing down payment loans, commercial housing mortgage loans and short-term loans for real estate development enterprises have been launched. Among them, the concern for the general public is that individual housing portfolio loans are conducive to lending.
How to choose a mortgage bank?
1. Choose a mortgage bank to see the mortgage interest rate. The interest rate is directly related to the amount of mortgage interest expenses. 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. Looking at the repayment method is also an aspect of examining the bank. This 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.
3. Choose the mortgage bank to see the interest rate adjustment method. At present, the adjustment method of bank mortgage interest rate is not? A year? , determined by the borrower and the lender according to commercial principles, and can be adjusted monthly, quarterly or yearly during the contract period, or by adopting a fixed interest rate. Different banks have different regulations on interest rate adjustment methods, some allow customers to choose, and some implement the same interest rate adjustment methods for customers.
4. Look at the penalty interest level. Since the central bank issued a new mortgage policy on March 17, 2007, which gave commercial banks the right to decide the default interest rate of mortgage independently, various banks have raised the default interest rate of mortgage one after another, changing it from 0.02 1% to 30% to 50% higher than the loan interest rate agreed in the loan contract.
Everybody follow me, what bank loan is good for lending? After learning the knowledge of how to choose a mortgage bank, we found that we were so particular about choosing a bank for loan, so we really need to have a comprehensive understanding of the above knowledge and then choose a bank that we are satisfied with.