Every bank can handle it. If it is an enterprise employee, it is relatively convenient to handle it in the bank that issues the salary card (providing fixed income in the account can increase the repayment credit). After the mortgage is approved, you can also apply for a credit card without providing additional information. As for which bank has the highest cost performance, this does not exist. The bank's personal loan interest rate is the same, above 5% for the first suite and above 6% for the second suite.
Second, which bank is the most cost-effective for personal housing loans?
1, Industrial and Commercial Bank of China
Among all state-owned banks, ICBC has the lowest mortgage interest rate.
2. China Merchants Bank
Among many banks, China Merchants Bank has the fastest mortgage.
3. China Construction Bank
Applying for real estate mortgage loan in CCB is the most stringent, but the interest rate fluctuation is also the smallest.
4. Minsheng Bank
Applying for a real estate mortgage loan at Minsheng Bank is the most worry-free.
3. [China Agricultural Bank-Housing Loan (Personal Consumption)] Hello, I want to ask, the house my family just bought six months ago has been paid in full, and now my family is in urgent need, and I want to use this house as a mortgage. The house is in the name of parents.
There is a room at home. Do you want to rent another room to work? Do you want to rent another room to work?
4. Which bank is good for mortgage loan?
1, Industrial and Commercial Bank Of all state-owned banks, the mortgage interest rate of Industrial and Commercial Bank of China is basically the lowest. In response to the national call, ICBC lowered the real estate mortgage interest rates and encouraged more small and medium-sized enterprises to apply for mortgage loans. In particular, individual small and micro enterprises can get about 20% interest rate concessions when applying for mortgage loans at ICBC. 2. China Merchants Bank Among many banks, China Merchants Bank is the fastest in handling mortgage loans. China Merchants has always had a complete and advanced process in real estate mortgage loan business, with clear standards and requirements. After the borrower submits the loan information, the loan can be released in half a month. 3. CCB's application for real estate mortgage loan from CCB is the strictest, but the interest rate fluctuation is also the smallest. As we all know, the bank's loan interest rate will always fluctuate, but CCB has always adopted a low-price strategy, insisting on the benchmark expected annualized interest rate unchanged, and the one-year expected annualized interest rate is only 6%. No matter when the borrower applies for a loan, CCB's mortgage interest rate is not very dynamic. 4. Applying for real estate mortgage loan from Minsheng Bank is the most worry-free for Minsheng Bank. Although it is not as big as the five state-owned banks, Minsheng Bank has one-on-one service. When the borrower goes to the bank for consultation, there will be a special account manager for docking. He will tell the borrower every step of the loan and the materials needed. Extended data:
Conditions for applying for a mortgage: buying a house is a large consumption, so many people will choose to apply for a mortgage when buying a house. I. Conditions for housing loan application 1. Applicants need to have legal residence status and permanent residence or proof of residence status of urban residents, so it is best to buy a house in the place where your household registration is located or the city where you live now. 2. The age must be 18 years old. 3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time. 4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank. The applicant's credit should be good. Second, the housing loan application materials 1. Applicants should prepare their own identity documents, that is, valid identity documents; 2. Prepare your own residence certificate, such as household registration book or valid residence certificate; 3. Prepare your work certificate and income certificate; 4. Prepare your own House Sales Contract and related documents; 5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate. Benchmark interest rate of mortgage: the annual interest rate of mortgage within one year (including one year) is 4.35%. 2. The annual mortgage interest rate for one year to five years (including five years) is 4.75%. The annual interest rate of mortgage for three years, five years to thirty years (including thirty years) is 4.90%. Although the People's Bank of China has stipulated the benchmark interest rate of mortgage, it is not a rigid standard, that is to say, when determining the mortgage interest rate, banks can fluctuate within a certain range according to the benchmark interest rate of mortgage stipulated by the central bank. At present, the mortgage interest rates of most banks are higher than the benchmark mortgage interest rate, and some even rise by about 30%. It can be said that China's mortgage interest rate will not only change frequently, but also appear in the form of rising interest rates. Domestic first home loan interest rates generally rose by 5% to 20%. The interest rate of second-home loans also generally rose 10% to 30%.