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Which bank in Beijing makes house value loans?
1. Which bank in Beijing makes house value loans?

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 the loan amount

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

In addition to real estate appraisal fees and mortgage registration fees, the loan fees of banks are generally much lower than those 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!

2. Which loan company is better in Beijing?

My colleague got a loan from Beijing Yi Rong (Jingjietong), where the service was good, the consultant had a good attitude and was professional enough, and the loan was quickly settled.

3. Which loan company is better in Beijing?

Beijing Yangzhou is rich and can be visited on the spot.

Fourth, the most reliable loan company in Beijing?

Beijing Yi Rong (Beijing Credit Link) is quite reliable in handling loans. I made two mortgage loans in their company, and both of them did well, because my company was in constant need and made plans for my later financing. This is a company that really cares about customers. Want to know more, you can Baidu.