I. Banks

At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property can not be used for mortgage loans generally, which needs attention.

Second, the loan company

Although banks can handle housing mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is very likely to be rejected by the bank. At this time, you can consider the loan company.

Third, pawn shops.

In addition to loan companies, pawn shops have also launched mortgage loans. The loan conditions are looser than those of loan companies, and there are almost no requirements for borrowers' income, work and credit. As long as the property provided by the borrower meets the requirements and the procedures are complete, you can get the loan money.

Fourth, the guarantee company.

In addition to the above three ways, the guarantee company is also possible, but the borrower needs to pay a certain guarantee fee and apply for a loan through the guarantee company.

I believe that many friends will consider the bank first when they borrow money. After all, banks must be guaranteed. So which bank should so many banks choose for mortgage?

First, compare the loan terms.

For mortgage loans, banks should not only see whether the house meets the requirements, but also have more requirements for the qualifications of borrowers, such as credit status and personal income. In the loan company to apply for housing mortgage loans mainly depends on the high value of housing, there is no liquidity. Borrowers with poor credit status and liabilities can generally borrow from loan companies as long as they can provide eligible houses for mortgage.

Second, compare loan interest rates.

Compared with credit loans, mortgage loans are less risky because there is a house as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different. Specifically, different regions and banks will be different. Even if it is the same bank, the loan interest rate in different regions will be different.

At present, the mortgage interest rates of banks are all floating on the basis of the benchmark interest rate. 20 17 the benchmark annual interest rate of the bank is 4.35% for less than one year (including one year), 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it

Third, compare the approval speed.

There are many procedures for mortgage banks and the approval is very slow. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.

Fourth, compare the loan amount.

Generally speaking, the maximum amount of mortgage loan is related to the evaluation value, and the maximum amount cannot exceed 70%. This is true of banks and microfinance companies. In the actual examination and approval, the loan company is relatively loose. For the same borrower, the amount approved by the bank may not be as high as that of the loan company.

Verb (abbreviation for verb) compares loan costs.

In addition to housing appraisal fees and mortgage registration fees, the loan fees of banks are generally much lower than those of loan companies. However, some banks also require borrowers to buy wealth management products with a certain proportion of the loan amount. For example, a bank privately agreed to lend 500,000 yuan and needed to buy 1 10,000 wealth management products.