If you have to say which bank's mortgage interest rate is relatively low, then under normal circumstances, some big banks, led by Industrial and Commercial Bank of China and Agricultural Bank of China, have relatively low loan interest rates. With the marketization of loan interest rates, most joint-stock commercial banks have the right to decide their own loan interest rates, and the loan interest rates of different banks are different. Where is the most reliable and direct loan? Moreover, compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend. However, when applying for online loans, we should pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
Real estate mortgage loan should be applied to the bank first, then the materials should be submitted, and the mortgage registration should be handled after the approval of the bank. The loan can be released after other warrants are issued.
At present, the interest rates of banks are all the same, but they are different. The interest rate of ICBC is the lowest.
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credit terms
1. Loan object: real estate (including residential and commercial buildings) within the jurisdiction of this Municipality.
Second, the real estate area; infinite
Third, the loan ratio: not higher than 70% of the mortgaged value of the property,
Four. Term of the loan: the longest term shall not exceed 10 year;
Verb (abbreviation of verb) loan interest rate: At present, the benchmark loan interest rate announced by the People's Bank of China is subject to the consumer loan interest rate stipulated by the People's Bank of China for the same period.
Loan procedures:
1. Go to the bank to apply for a loan and submit relevant materials;
2. After examination and confirmation, sign loan and mortgage contracts with customers;
3. Bank approval and next payment.
Information required by the borrower:
1. ID card, household registration book and marriage certificate of both husband and wife of the borrower (if single, provide single certificate);
2. Proof of income of the borrower and spouse;
3. Real estate license and land certificate;
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02% It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Application conditions for rich flowers: The application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.