"Happiness is thirty years earlier" is a service greeting of "China Bank", which consumers can feel both outdoors and in the subway.
2. Agricultural Bank: To build a "golden key" mortgage brand, Guangzhou people who are concerned about the housing loan business all know the "golden key" housing finance supermarket of Agricultural Bank.
The "Golden Key" housing credit brand launched by "Agricultural Bank of China" has diversified types, unified service standards and flexible and convenient repayment methods, and has gradually become the brand business of housing loans in Guangdong.
Extended data:
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee.
If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
How to choose a mortgage bank
1. Look at the mortgage interest rate. The interest rate is directly related to the mortgage interest expense.
Since the new mortgage policy was issued by the central bank on March 17 this year, commercial banks have cancelled the preferential interest rate for housing loans from their own accounts, returned to the loan interest rate level in the same period, implemented lower limit management, and implemented differentiated interest rates for housing loans according to different regional structures and customer structures.
2. Look at the repayment method, which is an important choice that mortgage borrowers must face, because the appropriate repayment method can not only save interest expenses, but also reduce the repayment pressure.
From the point of view of convenient adjustment of repayment period and repayment amount, the lender should choose a bank that can provide multiple repayment methods. The choice of repayment method depends on the lender's stable monthly income.
3. Looking at the interest rate adjustment method, the current adjustment method of bank mortgage interest rate is not "unchanged for one year", but is determined by both borrowers and lenders according to commercial principles. During the contract period, it can be adjusted by month, quarter and year, or it can be fixed.
Different banks have different regulations on interest rate adjustment methods, some allow customers to choose, and some implement the same interest rate adjustment method for all customers.
4. Looking at the penalty interest level again, since the central bank issued a new mortgage policy on March 17, which gave commercial banks the right to decide the penalty interest rate of mortgage independently, banks have stepped up their efforts to calculate the penalty interest rate of mortgage from 0.02 1% per day to 30% to 50% higher than the loan interest rate agreed in the loan contract.