You can get a loan in Beijing.
Bank of Ningbo's Easy Loan Zone,
Access areas: Zhejiang, Jiangsu, Guangdong, Shanghai, Beijing and other regions, as long as one of your ID card/mobile phone location address/work address meets the requirements.
Other cities are ok, but it is said that the pass rate is not as high as that in Shanghai.
Which banks in Beijing do mortgage loan business?
In Beijing, commercial banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and Bank of Communications can apply for real estate mortgage loans, and the annual interest rate of loans for more than five years is 4.9%.
Extended data:
First, the main reference points for choosing lending institutions to handle real estate mortgage loans in Beijing:
1, compare application conditions
Different banks have different conditions to apply for real estate mortgage loans, such as credit status, personal income, work unit, repayment ability and so on. Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers in debt can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgage.
2. Compare loan interest rates.
Compared with credit loans, the risk of real estate mortgage loans is lower because there is real estate as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different, and the loan interest rates of the same bank 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 banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it
3. Compare the approval speed
There are many procedures in the real estate mortgage bank, and the approval time will be longer. 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.
4. Compare loan amounts
Generally speaking, the amount of mortgage bank loan is related to the assessed value of the house, and the highest is about 70%.
5. Compare loan costs
Except real estate assessment fee and mortgage registration fee, the loan fee of banks is generally much lower than that of loan companies.
2. At present, the following banks have advantages and their own characteristics in handling Beijing real estate mortgage loans:
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
So, is there a better way to deal with it than banks?
As a supplement to the bank's real estate mortgage loan business, private loan companies can meet the needs of friends who do not apply for the bank threshold and are in urgent need of money. In terms of loan threshold and processing speed, private loan companies are far superior to banks. How to choose everyone depends on their actual situation. "Shop around" and choose the lending institution that suits you best!
Which one do you want to find for a loan in Beijing?
You can find Beijing Jingjietong, a professional consultant, and will customize the loan plan for customers, and the next payment will be faster. If Beijing needs money badly, it can choose some small and medium-sized commercial banks. Their audit is relatively loose, the loan amount is high and the loan interest is relatively low. If the loan in Beijing is worth the money, you can actually get a loan from any company, such as many platforms and small evil platforms. It should be said that it is easy to get a loan.
China Merchants Bank has lightning loan business. At present, you can apply through mobile banking or check whether you are eligible to apply. After the lightning loan is issued, the cash will be distributed to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate. If you have a savings card of China Merchants Bank, you can log in to the mobile banking and click "My → All → Loan → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
1. Different types of lightning loans have different quotas. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
2. There are two ways to apply for a loan within the lightning loan limit: 15 minutes, automatic approval within 5- 10 minutes, immediate loan after approval, and SMS notification of the result. T 1 day loan. Within T 1 day, there will be a nuclear telephone to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again. If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information. Beijing Yi Rong-Beijing Lending Link connects many banks and institutions. Many products are paid quickly, and some products are released after approval. Can help customers solve cash flow in time.
Which loan company is Beijing in urgent need of money?
Beijing is in urgent need of money for loans, and it is the same to find any loan. Whether it is Industrial and Commercial Bank of China or Agricultural Bank, the interest rate is relatively low. You can also choose some small and medium-sized commercial banks, whose audit is relatively loose, the loan amount is high and the loan interest is relatively low. The first small loan company was CreditEase, the industry leader and the originator. Heng Chang, Xinyou and Fanpu are all regular companies with large scale. There are many small companies, depending on how much money is needed and what kind of loans are used. It's best not to find an intermediary or telemarketing company, because they just introduce you to a loan company, and they charge you a service fee. What you don't understand can be discussed in detail. No matter how urgent it is, safety comes first. Some people will mess around when they see you in a hurry, so formal channels are the first, and banks are given priority to handle it directly. If the conditions do not allow or the time is short, we will take the formal loan channel.
1, generate penalty interest Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small lending companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.
2. Bad credit records will be generated, which will affect future loan and credit card processing. Whenever the overdue occurs the next day, the name of the party will appear in the internal system of the bank at the same time. After the deadline, the credit report will inevitably leave a bad record. If you want to borrow from other banks in the future, your application may be unsuccessful because of bad credit. If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.
3. You can't enjoy preferential loans or even apply for loans. When many people apply for a mortgage again, they find that they have left too many overdue repayment records on the old mortgage because of carelessness. In addition to the penalty interest for overdue mortgage repayment, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage.
4, blacklisted, children can not go to key schools, and some "Lao Lai" who deliberately delay bank debts will also be blacklisted. So that you can't fly, high-speed rail, accommodation, etc. ; More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.
Which is better for Beijing credit loan?
Of course, credit loans are the first choice, especially in big cities like Beijing. Let's take a look at the high-quality credit loans in Beijing:
1, NB Bank, interest first, principal later, loan and repayment, with a line of 200,000-500,000, with an annualized rate of 7.2%.
2.YC Bank, interest first, principal later, with repayment loan, with a quota of 300,000 yuan and an annualized rate of 5.65%.
3.JS Bank, interest first, principal later, loan repayment, line 500,000, interest rate 6.36-6.6%.
4.HZ bank, interest first, principal later, loan with repayment, line 300,000, interest rate 6.08-6.8%.
5.MS Bank, interest first, principal later, with repayment loan, with a line of 300,000 yuan and interest rate of 6.5-7.4%.
6.PF Bank, interest first, principal later, loan with repayment, with a quota of 6,543.8+0,000 and an interest rate of 6.5%.
7.HX Bank, interest first, principal later, with a line of 300,000 yuan and an annual interest rate of 6.09%.
8.YZ Bank, with interest first, then principal, repays the loan by loan, with a quota of 654.38+0.000 million and an interest rate of 9.8%.
9.NS Bank, interest first, principal later, loan with repayment, with a quota of 300,000 yuan and an interest rate of 6%. The above interest rate is annualized, not the nominal interest rate of some installment repayment methods. The loan depends on the repayment method first, and then on the loan interest rate.
Credit loan is also a common loan model. Credit loan is a kind of loan method that does not require the lender to provide guarantee. Then the lending institution approves the loan according to the lender's credit. Therefore, the most important thing in this loan model is the debtor's credit. If the credit is good, you can apply for a credit loan.
First, the approval of credit loans is relatively strict. We all know that the characteristic of credit loan is that it does not need any mortgage and third-party guarantee, and it is completely based on the credit of the payer. Because of this, this loan model is very risky for financial institutions and banks. Therefore, when handling this kind of loan business, banks will analyze and investigate the borrower's economic level, operating conditions and future development, so as to control risks.
Second, individuals can also apply for credit loans. In the past, credit loan business was only open to enterprises and institutions. But now many financial institutions have launched personal credit loan business. Personal credit loan means that the borrower does not need to provide guarantee, as long as he has a good credit level, he can apply. Of course, personal credit loan banks are also conditional. To borrow money, the explanation and proof of the use of the loan funds must be provided, and the loan funds shall not be used in the production, investment and business fields prohibited by the CBRC.
Iii. Conditions for Credit LoanTo apply for a credit loan, these conditions must be met.
1. The applicant must be a China citizen who has reached the age of 18 and has full capacity for civil conduct.
2. You should have a permanent residence in China and a local town hukou.
3. The applicant should have a fixed job and a stable income, and have the ability to repay the principal and interest every month.
4. There is no violation of law and discipline.
5. The credit level is good.
6. Opening a personal settlement account in the borrowing bank and other conditions of the bank. The above is some information about credit loans. Although there is no need for any guarantee or mortgage, banks will be very strict in applying for such loans and there are many conditions to be met.
What are the bank loans in Beijing? Take stock of common loan products!
In modern life, many people and families will face various difficulties. When they are in urgent need of money, choosing a bank loan is the safest way. In addition to well-known state-owned banks, many city banks also have good loan products, with low application threshold, simple procedures and low interest. Everyone can choose freely according to their own needs. Today, let's take stock of the bank loans in Beijing.
1, personal car loan
Many banks have car loans, and Bank of Beijing is no exception. As long as you meet the application conditions, you can apply for a car loan from the bank. The loan amount can be up to 80% of the purchase price of more vehicles, and the loan period can be up to 5 years. The repayment method can be equal monthly payment or equal principal repayment. You can choose the appropriate repayment method according to your own situation.
2. Student loans
At present, there are still many students who can't afford the high tuition fees. As long as your school is co-operated by Bank of Beijing, full-time undergraduate or junior college students, vocational students, graduate students and students with second bachelor's degree with financial difficulties can apply for this student loan, which can be used as a personal loan to pay tuition, accommodation and basic living expenses, and give students subsidies and a certain proportion of risk compensation during school, without any guarantee.
3, real estate mortgage consumer loans
As long as you have commercial housing approved by Bank of Beijing and some public houses that are allowed to be listed for mortgage, you can apply for this mortgage loan. The mortgage rate with the highest loan amount is 70%, and the longest loan period can reach 65,438+00 years. You can choose repayment methods such as matching principal and interest and average capital, which are suitable for users who need money badly.