Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies.
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
Requirements of real estate mortgage loan for real estate;
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
Requirements of real estate mortgage loans to borrowers:
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
Other conditions stipulated by the bank.
1. Application materials for real estate mortgage loan:
2. Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
3. Identity cards of the obligee and his spouse;
4. Household register of the obligee and spouse;
5. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. ); 6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
Which bank has a better mortgage loan?
The loan threshold of each bank is different. First of all, you should know your qualifications and which banks can accept it.
For example, your real estate situation, overdue situation and running water situation, and then choose a bank with low interest rate, long life and high quota to operate.
Each bank has its own advantages and disadvantages, and it is necessary to handle a suitable bank according to its own situation.
If you have to recommend it, then the following three are the best choices in different scenarios.
1. The syndicate with the lowest interest rate: China Construction Bank.
As we know, the interest rates of general banks are floating on the basis of the benchmark interest rate issued by the central bank, while China Construction Bank insists that the benchmark expected annualized interest rate remains unchanged, and the one-year expected annualized interest rate is only 6%. If you borrow 500,000 yuan 1 year for repayment, the capital cost is only 1.64 million yuan, which is at least several thousand yuan less than other banks.
2. The most efficient bank: China Industrial and Commercial Bank.
As we mentioned before, ICBC can get the loan within five working days at the earliest. Most banks need 10-20 working days, and even some banks need a month to get loans. ICBC is a well-deserved champion in terms of lending efficiency.
3. The most convenient bank for revolving loan: Bank of China.
Bank of China supports revolving mortgage loans. Within the available quota, borrowers don't have to greet the bank every time they get or return the loan, and they don't have to waste time repeatedly going through mortgage registration procedures and signing loan equality. This makes the cycle collapse and lack of loans very simple, so it is evaluated with the least effort.
Which bank should I use for housing loan?
Which bank should I use for housing loan?
Go to the rural credit cooperative for a loan.
Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral.
Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.
China industrial and commercial bank low interest rates,
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
Which bank is good for housing loan?
Hello, if you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Which bank is good for personal housing loan?
China Construction Bank is better. Relatively speaking, it takes a long time for CCB to handle housing bank loans, and the procedures are relatively simple. The most important thing is that CCB's mortgage can reach 70% at most and its service life is longer. In this way, the money left after the down payment can be used for specialization or business turnover, and the interest of housing banks on the street is also lower than other mortgage loans.
Which bank is good for Harbin housing loan?
It's easier for CCB. Go to CCB for consultation.
Help: Which bank is good for personal housing loan?
(China Merchants Bank) to apply for housing loans, it is required to comply with the local housing purchase policy, and the age plus loan period should not exceed 70. At the same time, proof of identity, proof of use and proof of income are required. , and specifically contact the loan handling bank for consultation.
If you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Which bank has more housing loans?
More housing loans?
It should be China Construction Bank. But what does this have to do with you? Which bank has a low interest rate, go to which mortgage.
Which bank is good for housing loan? What are the advantages of Huaxia Bank's mortgage?
The national mortgage interest rate is the same. The benchmark is 6.48% for five years, 6.84% for three to five years, 6.3% for 1-3 years, and 6. 1 year.
For marketing purposes, the bank gives 15% interest rate preference to borrowers who buy houses for the first time. In fact, the execution interest rates are: 5.508% for five years, 5.8 14% for three to five years, 5.355% for 1-3 years, and 5.202% for 1 year.
By the way, this time division is based on the total application period. That is to say, when you apply for a loan for three or five years, the annual interest rate is 5.508%; when you apply for a loan for six or thirty years, the annual interest rate is 5.8/kloc-0.4%, even if you pay it off in the last five years. Different application years correspond to different grades, and the loan period should also be considered clearly.
Which bank is good for housing loan?
If there is a local China Merchants Bank outlet, you can try to apply for a personal housing loan through China Merchants Bank. It is required to comply with the local purchase policy, and the age plus loan period shall not exceed 70 years old. At the same time, it is necessary to provide proof materials such as use certificate, identity certificate and income certificate. Please contact the personal loan manager for details.
Which bank loans to buy a house?
If your city has China Merchants Bank, you can try to apply through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and choose 3 people to provide customer service -3-3-8 to provide loans, so as to learn more about the city.
Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
Which banks can make mortgage loans? These will do.
Mortgage loan is a common loan method in life, which requires the lender to provide certain collateral to the bank as a loan guarantee, such as a house, that is, to exchange the value of the house for a certain loan amount. As long as the repayment is made to the bank on time, the ownership of the house still belongs to the lender. So, which banks can make mortgage loans?
1. Which banks can make mortgage loans?
Ordinary banks can make mortgage loans. After all, it is much safer to have a house as collateral than a pure credit consumer loan. For example, there are four major commercial banks in China: China Bank, China Agricultural Bank, China Industrial and Commercial Bank and China Construction Bank, and smaller banks such as China Merchants Bank, Industrial Bank, Minsheng Bank and China Postal Savings Bank. Or local banks such as Changsha Bank and Jiangsu Bank, or even local rural cooperation.
Second, which houses can't be mortgaged?
1. Houses with unclear ownership
That is, the ownership of the house is controversial or the law is controversial, and it cannot be said that it belongs to itself completely. Banks certainly don't accept it;
2. Houses designated by the state
That is, the state plans and builds, attaches importance to this land and has the right to use it. Therefore, if the house is to be expropriated, it is naturally impossible to find a bank to handle mortgage loans;
3. Illegal construction
That is, the house has no title certificate, no title certificate. What kind of mortgage can I take, naturally I can't handle it;
4. Houses with outstanding loans
That is, the loan of the house itself has not been settled, the property right certificate is not in its own hands, and the bank is not stupid. It is always impossible for two banks to borrow money with the same collateral;
5. Other circumstances in which mortgage loans cannot be obtained.
For example, the house is in disrepair for a long time, and the area is too small, resulting in no mortgage value, or it is a public welfare house, and mortgage is not allowed.
The above is about which banks can make mortgage loans. As long as the corresponding conditions are met, it is generally no problem to find a bank to make a house mortgage loan.
Which bank is the best for mortgage loan?
Which bank is better for housing mortgage loan?
1 If the loan interest rate is low, you can choose ICBC, Agricultural Bank, Bank of China and China Construction Bank, with annualized interest rate of around 3.75%-4.25%.
If you want to speed up the examination and approval, you can choose local banks, including Bank of Beijing, Bank of Nanjing, Bank of Ningbo, Bank of Hangzhou, Bank of Shanghai, Bank of Jinan, Bank of Changsha and bank of dalian. The approval process is relatively simple and the timeliness is faster.
If you want to apply for a long time, and are office workers, small and micro enterprises, etc. , you can choose small and medium-sized banks, and the qualification requirements for borrowers are generally loose.
When applying for housing mortgage loan, it is often that the lender can borrow if he has a house, and commercial houses, commercial houses and industrial plants can all be mortgaged, with a wide range of collateral. Due to the different credit conditions of each branch, the local credit outlets shall prevail.
When the information submitted by the lender is complete and meets the loan conditions of the bank, the bank will approve the loan as soon as possible, but the approval and loan time should be based on the actual situation or consult the local credit department.