Generally, large banks have mortgage loans with real estate licenses, such as China Bank, China Construction Bank, Industrial and Commercial Bank, China Merchants Bank and Bank of Communications. Moreover, these banks have similar requirements for mortgage loans with real estate licenses, requiring lenders to have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of loans on schedule; No illegal acts and bad credit records; It can provide effective pledge guarantee of rights recognized by banks or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability. The following are the benefits of banks.

China Bank's personal property mortgage revolving loan is the most labor-saving;

1. Mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling and repayment 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: the loan interest rate of many banks rises slightly on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.

3. ICBC's personal business loan is the most time-saving: ICBC is slightly better in this respect because of its high work efficiency. Loans can be approved 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.

Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no threshold for bank handling and are in urgent need of money. In terms of loan threshold and processing speed, private loan companies are far superior to banks.

You can figure out which bank to go to according to your ideas.

1. The borrower's credit is affected. Because the bank pays more attention to the borrower's personal credit, if the loan is not repaid, the personal credit will be affected, which will directly affect the borrower's future loans.

2. Penalty interest will increase the repayment pressure in the future.

3. If loans overdue is in a month or two, the bank will not sue immediately. Generally, the borrower will be called first to urge him to repay the loan. Otherwise, the bank will have a special person to communicate with the borrower.

4. If the communication fails and the borrower provides collateral as a mortgage loan, the collateral that cannot be repaid after repeated calls will be auctioned to repay the loan.