The annual interest rate of state-owned banks' real estate mortgage loans is between 4.35% and 5.4%, and the loan amount mainly depends on the value of the real estate. Personal credit information can be handled if it is slightly flawed and not regularly overdue for a long time. The processing speed depends on the loan amount of the local housing authority and banks. Generally, the whole process can be completed in 7- 15 days. Banks and housing management departments in some areas have communicated with each other, and they can submit applications directly at banks. The mortgage of real estate can be completed on the day of loan and the credit line can be completed.
If you don't want to apply for real estate mortgage or mortgage your house, I suggest you give priority to the decoration loans provided by ICBC and CCB. The monthly interest rate is 0.35%, the maximum credit line of ICBC is 500,000, and that of CCB is 300,000. The repayment period is relatively short and the longest is 36 months!
Shops with enterprises or normal business names can choose discount loans from the Postal Savings Bank. Shops with normal business licenses can apply for an interest-free loan of 200,000 yuan after one year. This kind of products need a natural person guarantor or a civil servant guarantor, and an ordinary guarantor will increase by 654.38 million yuan, and an additional civil servant will increase by 200,000 yuan, with an upper limit of 400,000 yuan. It takes a long time to submit the loan application for review, which generally takes 654.38+05-30 working days.
When the quota is used less, you can also apply for the pure credit loan product just launched during the epidemic of Agricultural Bank of China, which is unsecured and unsecured. The monthly interest rate is 4.5%, the maximum amount is 300,000, and the longest loan period is 36 months. You only need to come to the village Committee where your household registration is located to issue a certificate. Without any assets under the user name, the amount is 654.38+10,000 yuan, and the credit line of civil servants is doubled, which can be raised to the full amount of 300,000 yuan when the commercial house is submitted.
To sum up: it needs 500 thousand. If you don't mortgage the property, choose 2-3 banks conservatively. Agricultural Bank of China's renovation loans and credit loans can meet your needs, but personally you are not advised to choose, because this will lead to higher monthly payments and centralized repayment. Whether the property is full or not, I suggest you choose the property mortgage. If the house is over five years old and you have friends in the real estate agency, you can ask your friends to help you with the transfer loan and apply for a personal housing mortgage loan. Low interest rate, long repayment time and low repayment pressure.
In this case, it is recommended that you make a portfolio loan, with low repayment pressure and high capital utilization rate. What is a portfolio loan? The answer is that more than two loan products are combined to reach the quota of 500,000. What the hell should I do?
At present, the products of installment loans with high personal consumption are relatively large banks, such as the four major state-owned banks, which are the flagship products this year. Generally, the maximum is 500 thousand, and the minimum monthly interest rate is 2.5% However, this product also has disadvantages. First, because of the low interest rate, the requirements for customers are stricter, such as the requirements for credit reporting and liabilities. Secondly, the quota, although everyone says that it can reach 500,000 yuan, after all, there will be fewer customers who approve the full amount, so the quota may not meet your requirements. In addition, this product is a repayment method of equal principal and interest, and the capital utilization rate is not very high.
At present, many banks provide loans with interest first and then principal repayment for our mortgage customers. The interest rate is basically above 4% per month, and the interest rate is not high. The most important thing is the high utilization rate of funds. So I suggest you consult the mortgage bank of this property to see if there are similar products.
Finally, some people may say, why not make a mortgage? The reason is very simple, because if there is no company, there is no way to make commercial loans, only consumer loans, equal principal and interest repayment methods, the monthly repayment pressure is not small, and the capital utilization rate is not high.
Hello, I have been engaged in the financial industry for many years, and I am familiar with your question. There are several similar videos on my homepage, for your reference.
First of all, there are two main types of loans, credit loans and mortgage loans.
If we don't consider the possibility of financing in the future, I suggest choosing a mortgage because the mortgage interest rate is cheap.
If there is still the possibility of financing in the future, it is not recommended to choose a mortgage. Because after the mortgage, you have less room to operate the loan and don't have so many choices.
In addition, there are two repayment methods, interest first, principal later, and equal principal and interest. Generally, when capital is mortgaged, there will only be loans for operation and consumption, and generally there will be no such repayment method.
Let's talk about the choice of interest rate first. If the interest rate is the same, we will definitely choose interest first, because the capital utilization rate is too high. However, the general interest rate should be higher than the interest after matching the principal and interest, which depends on the monthly repayment amount that the landlord can afford.
As for the choice of banks, if there are credit loans, it is recommended to give priority to the four major banks because of the low interest rate. You can consider applying for two or three companies at the same time to ensure that you can get enough 500 thousand. According to the present situation described by the landlord, all four banks can apply, including tax loans and decoration loans.
If you choose a mortgage, it is also the four major banks, plus a rural commercial bank. The reason is also low interest. There are many options for mortgage loans, provided that your house is certified and full!
Also give some advice, because I don't know which city the landlord is in. When you go to consult a bank, you must prepare your own financial proof (tap water, real estate, etc.). ), and you must do your own credit report. Take your own credit report to consult, don't let them check. If you have time, it won't hurt to ask more questions. After reading your credit information, they can basically reply to you, whether they can approve it, how much they can approve it, and how much interest they have.
The above is purely hand-played. If you need other advice, you can trust me privately. If you accept my suggestion, you can go to the home page to watch other videos and pay less attention. Thank you.
I'm glad to answer this question. I don't know where the questioner is, because many local banks have different policies. It's best to find out first, make plans in advance and avoid unnecessary troubles. I will take some banking policies in Wuhan to answer.
First, first, mortgage. The early repayment pressure is small, the interest rate is low and the capital utilization rate is high. At present, the annualized interest rate of mortgage loans for small and micro enterprises and individuals in Wuhan is about 3.56%-6%. Specifically, I will cite three typical banks for reference.
Ping An Bank: At present, the interest rate has been reduced, with a maximum of 5.85% and a minimum of 4.35%. The advantage is that it can be used as a consumer mortgage, with a long service life, and the interest can be repaid first and then the principal can be repaid, so the early repayment pressure is small.
China CITIC Bank: It's really ten years' interest before capital, with low interest rate and loose conditions, which can be repaid as you borrow.
China Construction Bank: The advantage is that the interest rate is really low. At present, it is only for small and micro enterprises, and its life span is short.
Secondly, consumer credit loans. At present, the lowest in Wuhan is the provident fund credit loan. It doesn't matter if the provident fund is mortgaged, as long as the base and deposit amount of the provident fund meet the requirements. Specifically, I wrote an article about Wuhan Provident Fund credit loan before, and interested friends can read it. The annualized interest rate is 3%-4.6%, and the interest rate is quite low, that is, the life is not high, and the longest is only five years, with equal principal and interest. Or only one year's interest will bear interest.
Third, decoration loans. Yesterday, I just wrote an article about the renovation loan of CCB. The interest rate is about 3% per year, and the monthly interest rate is only 0.25. But it needs real decoration. If it is not a real decoration, it must be operated.
China Construction Bank has a decoration loan. Go and find out.
It's easy for you to do so. You can borrow money from any payroll bank.
There are mainly wage loans, credit loans, travel loans, decoration loans, fast loans, pledge loans, mortgage loans and so on.
The annual salary is 230,000. If all of them are paid in the form of salary, you can borrow at least 3 million yuan with interest not exceeding 6%. You can borrow it and return it with it. You don't have to pay the principal for 20 years, just pay the interest.
Wage loans can be used to buy a house and a car, and the interest on decoration loans is lower, about 3%.
In short, you can borrow whatever you want, and it belongs to Niu xpLus series. Knowing more about the creation of financial, monetary and banking data will help us to go to heaven better. bend
The monthly interest rate of decoration loan can be about 3 cm, the annual interest rate of ICBC provident fund is about 3 points, and the monthly interest rate of Shanghai Bank provident fund is 0.28.