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.
Requirements for mortgage loan of real estate license:
1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Have permanent residence and fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
3. Willing and able to provide real estate mortgage approved by the lender;
4. The co-owner of the property recognizes the relevant loan and guarantee behaviors and is willing to bear relevant legal responsibilities.