Among all state-owned banks, ICBC has the lowest mortgage interest rate. 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 has the fastest mortgage. China Merchants has always had a complete and advanced process in the 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. China Construction Bank
It is the strictest to apply for real estate mortgage loan from China Construction Bank, 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 does not fluctuate much.
4. Minsheng Bank
It is the most worry-free to handle real estate mortgage loans at 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:
Housing loan application conditions:
Buying a house is a large consumption, so many people will choose to apply for a house loan when buying a house.
First, the application conditions for housing loans
1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.
2. The age must be 18 years old.
The applicant must have a legal and fixed 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 identification documents, that is, valid identification 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 mortgage interest rate:
I mortgage within one year (including one year)
The annual interest rate is 4.35%.
Two, one to five years (including five years) mortgage.
The annual interest rate is 4.75%.
Three, five to thirty years (including thirty years) mortgage.
The annual interest rate 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%.