The difference between mortgage loans of big banks and small banks

The difference between mortgage loans of big banks and small banks. Nowadays, many people will go to the bank for loans when buying a house, but the mortgages of big banks and small banks are different. Next, I will take you to understand the difference between mortgage loans of big banks and small banks.

The difference between mortgage loans of big banks and small banks 1

1, the loan threshold is different, the bank's loan threshold is high, and the small loan company's loan threshold is low.

2, the loan interest rate is different, the bank's loan interest rate is low, and the small loan company's loan interest rate is high.

3. The lending time is different, the bank lending time is slower, and the small loan company lending time is faster.

4. The loan procedures are different. The loan procedures of banks are more complicated, while those of small loan companies are simpler.

5, the same personal qualifications, different loan quotas, usually the loan quotas that banks can apply for are low, and the loan quotas that small loan companies can apply for are high.

The difference between mortgage loans of big banks and small banks II.

What are the general requirements of banks for running water when applying for a mortgage?

1, ordinary working class

Generally speaking, different types of people apply for mortgage loans from banks. If you are an ordinary working class, the bank mainly looks at your salary, as well as your monthly account balance and daily average balance. After all, if the bank gives you a loan, it depends on whether you can bear it.

2, small and medium-sized enterprise owners and individual operators

It is said that the word "I" is not in the forefront, so now many people will choose to start a business and set up their own company. Therefore, for small and medium-sized business owners, the bank will mainly check your import and export account and time deposit balance. It is best to show that there is a relatively stable entry in the bank flow at a fixed time every month, which is also a kind of trust for the bank. After all, banks have to take risks when they borrow money.

The difference between bank running water and income certificate

1, bank flow

Bank flow mainly refers to the flow of personal income provided by borrowers, which is a list of deposit and withdrawal business transactions between individuals and banks over a period of time. When handling a mortgage, the required bank flow mainly refers to wage income, but not limited to wages. Bank running water can also include other personal income, such as the monthly rent paid by tenants.

2. Proof of income

The income certificate mainly shows your current monthly income and annual income level, which is generally issued by the borrower's unit and stamped with the official seal of the unit.

In fact, in the proof of bank flow and income, banks pay more attention to bank flow, because bank flow reflects the borrower's monthly income for a period of time, which is more convincing.

Banks usually want to see the borrower's stable and reasonable bank flow, and they must also ensure that the income of the bank flow is roughly the same as the income certificate. The ups and downs of bank traffic are usually not favored by banks.

The difference between mortgage loans of big banks and small banks 3

The difference between a company opening a basic account in four big banks or a small bank.

There are three main differences, as shown below.

1. In terms of registration, the four major banks generally require higher registered capital, while small banks will relax a lot in this respect.

2. In terms of convenience, the four major banks can handle business in most areas thanks to the national and even global systems, while small banks are greatly discounted in this respect.

3. Administratively, the four major banks may require multiple attendance and repeated signatures, with higher management fees, while small banks may be relatively better at this point.

Extended data

Information required to open a bank account:

1, little red book rental voucher

2. Legal person ID card and its copy.

3. Original and copy of business license

4. Public, financial and private seals

5. Notice of tax payment

Is there any difference in choosing a bank to make a mortgage? Different banks are very different!

; ? When buying a house now, everyone will choose a bank loan. After all, the interest rate of bank mortgage is too low. Although there are so many banks in China that can handle mortgage loans, there are great differences between different banks. So how to choose a bank when handling mortgage loans? Share a few points of attention today.

1, mortgage interest rate

Since banks are equally safe and reliable, it is of course the lowest cost to borrow first. After all, buying a house loan is not a small amount, and a slight gap can save you tens of thousands of dollars. So when you go to the bank for consultation, you must first understand the mortgage interest rate, which is directly related to the mortgage interest expense.

This year, the central bank introduced a new policy. Commercial banks cancel the preferential interest rate of self-owned account housing loans, return to the same period loan interest rate level, implement lower limit management, and implement differential interest rates for housing loans according to different regional structures and customer structures. I suggest you visit several banks more, compare them and combine other offers.

2. Repayment method

Although there are many repayment methods supported by mortgage, different banks may have different repayment methods for different customers. Maybe you can only repay it in some way. You should choose the repayment method that suits you best, because different repayment methods will have differences in interest, such as average capital and equal principal and interest.

3. Interest adjustment scheme

Banks can adjust monthly, quarterly or annually during the contract period, or they can adopt a fixed interest rate method. Different banks have different regulations, which can be discussed with customers. It is suggested to know some related contents in advance before communicating with the bank. Some are for customers to choose, and some are for customers to implement the same interest rate adjustment method. You can choose the one that suits you best.

4. Penalty interest

Now banks have the right to decide the default interest rate of mortgage loans. Every bank has different rules. Usually they will add 30% to 50% to the loan interest rate stipulated in the loan contract. Although many people will not be overdue, they will inevitably forget to repay the loan, so try to choose a lower default interest rate.

To sum up, in fact, the gap between bank loans is not very big, but there will be differences in some subtle terms. I suggest you do your homework before you go to each bank, then make records, come back and compare, and choose the most suitable bank to handle the mortgage.

Does it make any difference which bank to choose for mortgage?

There are differences in mortgage choice banks.

Different banks have different loan conditions, such as loan interest rate, down payment ratio, preferential policies and so on.

As of February 20 19, 19, the People's Bank of China stipulated that the benchmark interest rate for short-term loans within one year (including one year) was 4.35%, and that for medium-and long-term loans from one year to five years (including five years) was 4.75%, and that for more than five years was 4.9%. Personal provident fund housing loans for less than five years (including five years) are 2.75% and 3.25% for more than five years.

The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate stipulated by the People's Bank of China. The actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate, and the loan interest rates of different banks and different regions will be different.

Extended data

Mortgage repayment method

There are two ways to repay the mortgage: equal principal and interest and average capital.

1, equal repayment of principal and interest

Matching principal and interest repayment method The sum of interest and principal repaid by the borrower every month is equal, and the ratio of interest and principal repaid each time to the planned monthly repayment amount is changing. At first, because of the large amount of principal, interest accounts for a large proportion, and the current principal payable = planned monthly repayment amount-current interest payable. With the increase of repayment times, the proportion of principal gradually increases.

2. Repayment by average capital

Average capital repayment method refers to equal repayment of the principal every month, and the loan interest decreases month by month with the reduction of the principal until the loan is settled. That is to say, the amount of principal repaid every month is equal, and interest = current remaining principal × daily interest rate × current calendar days. The monthly repayment amount is not fixed, but decreases with the decrease of monthly principal, and the interest gradually decreases with the increase of repayment times.

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