Different banks have different time limits for mortgage review. Please consult your loan account manager or local loan bank for details. Ping An Bank's real estate mortgage loans and housing mortgage loans are as follows:

1. Ping An Bank's real estate mortgage loan-Ping An Housing Mortgage Loan, with a line as high as100000. Application conditions:

① China citizens with second-generation ID cards;

② Working people 18-65 years old (inclusive), business people 25 -65 years old;

The mortgaged property must be a house (including a single-family villa);

④ The permanent residence of the borrower is consistent with the location of the property;

⑤ Room age ≤25 years;

⑥ Acceptable property in the name of myself or others (property owned by minors or jointly held by * * * is not supported).

You can log in to Ping An Pocket Bank APP- Loan for details and try to apply.

2. Ping An Bank's housing mortgage loan application conditions are as follows (for your reference, please consult the local Ping An Bank for details):

① Age 18-65 (inclusive), and the borrower's age is ≤70 years old;

② China citizens, Hong Kong, Macao and Taiwan people and other foreigners with valid identity documents;

3 have a stable and legal job;

④ No bad credit record.

Tips: The above information is for reference only. People from China, Hong Kong, Macao and Taiwan and other foreigners also need to provide proof that they have worked in China for more than 1 year, and a letter of commitment that they have no other housing in China. For details, you can log in to Ping An Pocket Bank APP- Loan and try to apply.

Reply time: 202 1- 12-28. Please refer to the latest business changes announced by Ping An Bank in official website.

Which bank is the best for mortgage loan?

Which bank is better for housing mortgage loan?

1 If the loan interest rate is low, you can choose ICBC, Agricultural Bank, Bank of China and China Construction Bank, with annualized interest rate of around 3.75%-4.25%.

If you want to speed up the examination and approval, you can choose local banks, including Bank of Beijing, Bank of Nanjing, Bank of Ningbo, Bank of Hangzhou, Bank of Shanghai, Bank of Jinan, Bank of Changsha and bank of dalian. The approval process is relatively simple and the timeliness is faster.

If you want to apply for a long time, and are office workers, small and micro enterprises, etc. , you can choose small and medium-sized banks, and the qualification requirements for borrowers are generally loose.

When applying for housing mortgage loan, it is often that the lender can borrow if he has a house, and commercial houses, commercial houses and industrial plants can all be mortgaged, with a wide range of collateral. Due to the different credit conditions of each branch, the local credit outlets shall prevail.

When the information submitted by the lender is complete and meets the loan conditions of the bank, the bank will approve the loan as soon as possible, but the approval and loan time should be based on the actual situation or consult the local credit department.

Which bank has a better mortgage loan?

The loan threshold of each bank is different. First of all, you should know your qualifications and which banks can accept it.

For example, your real estate situation, overdue situation and running water situation, and then choose a bank with low interest rate, long life and high quota to operate.

Each bank has its own advantages and disadvantages, and it is necessary to handle a suitable bank according to its own situation.

If you have to recommend it, then the following three are the best choices in different scenarios.

1. The syndicate with the lowest interest rate: China Construction Bank.

As we know, the interest rates of general banks are floating on the basis of the benchmark interest rate issued by the central bank, while China Construction Bank insists that the benchmark expected annualized interest rate remains unchanged, and the one-year expected annualized interest rate is 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.

2. The most efficient bank: China Industrial and Commercial Bank.

As we mentioned before, ICBC can get the loan within five working days at the earliest. Most banks need 10-20 working days, and even some banks need a month to get loans. ICBC is a well-deserved champion in terms of lending efficiency.

3. The most convenient bank for revolving loan: Bank of China.

Bank of China supports revolving mortgage loans. Within the available quota, borrowers don't have to greet the bank every time they get or return the loan, and they don't have to waste time repeatedly going through mortgage registration procedures and signing loan equality. This makes the cycle collapse and lack of loans very simple, so it is evaluated with the least effort.