First, the most labor-saving: Bank of China, the self-owned mortgage revolving loan mortgage loan has the characteristics of one request, recycling, and returning with the loan. At the first approval, the bank will give the borrower a credit line of up to 70% of the mortgage loan valuation. Within the available credit line, you don't need to greet the bank every time you get or return the funds, and you don't need to waste time repeatedly handling mortgage registration procedures and signing loan equity. It is especially suitable for business owners who pursue "short, frequent and fast" and have the demand for regular loans.
Second, the most time-saving: ICBC, which manages its own loans, usually mortgages the houses of various banks, can use the loan funds at least 7 working days after all the materials are delivered, not to mention that it takes 1 month to lend money, and ICBC is slightly better in this respect by virtue of its high efficiency, and can grant loans within 5 working days at the earliest.
Third, the highest cost performance: China Construction Bank, which lends at its own expense and adopts a low price strategy, is the spokesperson with the highest cost performance in the eyes of borrowers. Many banks' lending rates are slightly raised on the basis of the benchmark interest rate, while China Construction Bank insists on the benchmark interest rate unchanged, with an annual interest rate of only 6%. If you borrow 500,000 yuan 1 year for repayment, the capital cost is only 1.64 million yuan, which is at least several thousand yuan less than other banks.
Fourth, the most energy-efficient: Huaxia Bank, summing up the borrowing costs by itself. Not all houses can handle mortgage loans. In order to effectively control the risk of lending, many banks take the road of insurance. For example, the mortgaged house must be located in the main urban area, the age of the house is less than 20 years, and the property valuation should not be less than 6,543,800 yuan+0.5 million yuan. Hua Xia Bank is different. As long as the property right of the mortgaged house is clear, it is regarded as conforming to the rules.