Among these banks, Bokang is state-owned and is called one of the "Big Four" banks by users. Bokang's credit card risk control has always been stricter than many banks, and the approval of personal housing loans is also very strict. If a property buyer wants to apply for a mortgage in Bank of Communications, the personal credit reporting debt ratio cannot exceed 30%, and the credit reporting record cannot be overdue.

After all, the mortgage amount is often more than one million. With such a large loan amount, it is natural to investigate the borrower's personal situation. Source of down payment, personal credit report, bank flow, payroll, etc. Are the key information of Bank of Communications. Agricultural bank is good. There are many rural commercial banks in China's real estate market. However, there are some related policies in every city and region in China. I only know a few, and Shanghai Rural Commercial Bank is better. There is also the Agricultural Bank, and the Industrial and Commercial Bank of China is also a bank with a quota in the Agricultural Bank. Buying a house loan bank is better. You should first understand the specific policies of the bank where the loan is located, such as industry and commerce, construction, and each province is different. You need to know which bank loan you want to buy, and go to the local bank for consultation, because each bank has different policies.

General banks can handle second-hand housing loans, no matter which bank can do mortgage. Mortgage loans are more about China Construction Bank, Industrial Bank, Bank of China and commerce. At present, China Merchants Bank does not make second-hand housing loans, and only banks that make second-hand housing loans can choose. However, considering the interest rate issue, bank loans are mainly low discounts, and it is also necessary to pay attention to the banks that look at the house to evaluate whether the loans can reach the down payment of 30% of the transaction price. In fact, there is a lot of room for this choice, but you should judge according to your actual situation.

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