First, the interest rate is relatively low. The earliest 30% discount rate was first introduced by CCB. Low interest rate is the most real thing for us ordinary people, as long as paying less interest is more important than anything else, right? Money is cheap.

Second, CCB allows full or partial repayment in advance, and the interest is calculated on a daily basis, that is, you will receive one day for every day you use it, with no penalty and no time limit. As far as I know, Bank of Communications is not allowed to repay in advance until 1 year after repayment, and a penalty will be charged. So from the cost point of view, CCB has more advantages.

Third, CCB is the earliest bank in China to make mortgage loans, so there is no way to talk about its relative experience and maturity. His audit mechanism, process, etc. They are all optimized to the most refined degree on the premise of rich experience. In other words, CCB has an advantage in quality. And it's very fast. My loan came down in three days.

Fourth, the degree of approval is related to the current national policy of your loan, and has little to do with specific banks. If the national macro-control implements a tightening policy, no bank can approve it. If it is a relatively loose policy, there is basically no reason to embarrass you. No bank is willing to lend money to customers, which is a competition in the same industry. After all, banks have to make money by loans. Let's all go and make money.

I personally got a loan from CCB. These are the reasons why I chose CCB. It is for your reference only. I hope I can help you ~