Which bank should I use for housing loan?
Go to the rural credit cooperative for a loan.
Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral.
Personal housing provident fund loan is a loan that employees who pay housing provident fund to the fund management center on time in a specified period apply to the fund management center with their own property houses as collateral when they buy or build their own houses (including second-hand houses) in this city. Loans can be issued by banks entrusted by the fund management center.
China Industrial and Commercial Bank has low interest rates,
The process of mortgage loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will be issued with a loan consent notice or a mortgage loan commitment letter;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan;
7. Apply for mortgage registration and insurance. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
Which bank is good for housing loan?
Hello, if you are applying for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried declaration, etc. ; 3. Proof of use: the original proof of the property right of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the receipt of the supervision funds is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm the information in detail through the handling bank when applying for the loan.
Which bank is better to handle personal housing loans?
China Construction Bank is better. Relatively speaking, it takes a long time for China Construction Bank to handle housing bank loans, and the procedures are relatively simple. The most important thing is that the mortgage loan of China Construction Bank can reach 70% at most, and its service life is longer. In this way, the remaining money after the down payment can be used for specialization or business turnover, and the interest of housing banks is lower than other mortgage loans.
Harbin housing loan which bank is easy to handle?
CCB is easier. Go to CCB for consultation.
Help: Which bank is good for personal housing loan?
(China Merchants Bank) to apply for housing loans, it is required to comply with the local housing purchase policy, and the age of the house plus the loan period should not exceed 70. At the same time, proof of identity, proof of use and proof of income are required. , and specifically contact the loan handling bank for consultation.
If you are applying for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried declaration, etc. ; 3. Proof of use: the original proof of the property right of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the receipt of the supervision funds is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm the information in detail through the handling bank when applying for the loan.
Which bank has more housing loans?
More housing loans?
It should be China Construction Bank. But what does this have to do with you? Which bank has a low interest rate, go to which mortgage.
Which bank is good for housing loan? What are the advantages of Huaxia Bank's mortgage?
The national mortgage interest rate is the same. The benchmark is 6.48% for five years, 6.84% for three to five years, 6.3% for 1-3 years, and 6. 1 year.
For marketing purposes, the bank gives the borrower who buys a house for the first time a preferential interest rate of 15%. In fact, the execution interest rates are: 5.508% for 5 years, 5.8 14% for 3-5 years, 5.355% for 1-3 years, and 5.202% for 1 year.
By the way, this time division is based on the total application period. That is to say, when you apply for a three-year or five-year loan, you apply for an annual interest rate of 5.508%, and when you apply for a six-year or thirty-year loan, you apply for an annual interest rate of 5.8 14%, even if you finally pay it off within five years. Different application years correspond to different grades, so the loan years should also be considered clearly.
Which bank is good for housing loan?
If there is a local outlet of China Merchants Bank, you can try to apply for a personal housing loan through China Merchants Bank. It is required to comply with the local purchase policy, and the age plus loan period shall not exceed 70 years old. At the same time, you need to provide proof materials such as use certificate, identity certificate and income certificate. Please contact the personal loan manager for details.
Which bank loans to buy a house?
If there is China Merchants Bank in your city, you can try to apply through China Merchants Bank. As the conditions and application materials required for each loan project are different, please dial 95555 at 8:30- 18:00 to select 3 people to enter the manual service to provide loans and learn more about the city.
Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
Which bank is good for buying a house loan?
Buying a house is something that many people have to face, but many people can't pay the full amount at one time when buying a new house, so buying a house with a loan has become the choice of most buyers. So which bank is better to borrow money to buy a house? How much is the house loan? If you want to know, just keep reading!
First, which bank is good for buying a house loan?
At present, most banks provide housing loan services, among which corporate banks and China banks are good choices because they pay lower interest rates. However, buyers are more credible. If you don't meet the loan conditions of these two banks, you can choose China Postal Savings Bank, which has lower credit requirements for buyers but pays higher interest rates.
Second, how much is the house loan?
1. When buying a house with a loan, you should decide the loan amount according to the economic range you can afford. Under normal circumstances, the down payment of the house should not be less than 20% of the total house price, and the monthly repayment amount of the buyer should not exceed 50% of the total family income to ensure that it will not affect daily life.
2. If the buyers are well-off, it is suggested to choose average capital as the repayment method. However, when choosing this repayment method, the monthly payment is relatively high at the beginning, and the repayment pressure of the lender is greater, but the interest expense can be reduced, and the monthly payment paid later will gradually decrease, so the lender can make other financial plans.
3. If the monthly income is stable and relatively high, you may wish to choose the method of biweekly repayment when repaying the loan, which can reduce the expenditure of interest and principal and interest, and the repayment amount is relatively stable, which will not cause too much repayment pressure to the lender in the early stage.
Summary: The relevant content about which bank is good for buying a house loan is introduced here for everyone, hoping to help everyone. Finally, I would like to remind you that if developers have fixed cooperative banks, property buyers generally cannot choose their own banks. Of course, if developers don't have fixed cooperative banks, these banks introduced in this article are good choices!
Mortgage, which bank is the best?
State-owned banks can choose housing loans, including China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, China Bank of Communications and China Postal Savings Bank. These banks are comprehensive large-scale commercial banks with wide coverage and diversification.
Matters needing attention in mortgage loan
First, look at the loan interest rate discount.
To apply for a mortgage, we must first look at the discount of the bank loan interest rate. The benchmark interest rate for loans over five years set by the central bank is 4.9%. However, in practice, local banks will set interest rate discounts according to the overall environment of the mortgage market, which will lead to the lowest interest rate and the highest interest rate. Low interest rate means less mortgage interest, which is the key for buyers to save money and the first factor to consider when choosing a bank.
Second, look at the preferential threshold for loans.
Under normal circumstances, banks have certain requirements for customers who want to get preferential interest rates, and not everyone can enjoy preferential interest rates. This is another criterion for choosing a bank that we are going to talk about-it depends on the loan threshold, including the threshold for obtaining interest rate discounts.
Banks also have different requirements for the age of second-hand houses. For example, some banks require that the age of second-hand houses applying for loans should not exceed 20 years, while some banks strictly require that they should not exceed 65,438+05 years, and some require that they should not exceed 65,438+00 years.
Third, look at the bank's interest adjustment method.
Mortgage interest directly affects the lender's economic pressure, and when the central bank raises interest rates or cuts interest rates, mortgage interest will be different according to the different ways of bank interest adjustment.
Which bank has a good mortgage?
It is understood that most people will choose this way to buy a house now. After all, buying a house in full is not acceptable to all families. However, when you buy a house with a loan, you must choose the right bank, otherwise there will be a series of troubles. So, which bank is better for mortgage? Let's explore the answer together!
1 Bank of China
As we all know, the biggest feature of China Bank is that it has effectively changed the image of the bank, so it has unconsciously become a good helper for ordinary people to buy houses. "Happiness is thirty years earlier" is the greeting of China Bank to consumers, so it must be appropriate to choose China Bank for housing loan.
2. Agricultural Bank
All along, China Agricultural Bank has been building a "golden key" mortgage brand. Under the witness of time, no one does not know the "golden key" housing finance supermarket of Agricultural Bank of China. It is understood that there are many types of "Golden Key" housing credit brands launched by Agricultural Bank of China. The most important thing is that it has standardized and unified services and convenient and flexible repayment methods, so it has become the first choice brand for countless property buyers.
3. Industrial and Commercial Bank of China
China Industrial and Commercial Bank took the lead in launching individual housing portfolio loans, mainly including mortgage loans, down payment loans for individual commercial housing, short-term loans for real estate development enterprises, individual housing portfolio loans and other business types, and it is also the individual housing portfolio loans that everyone is most concerned about.
4. China Construction Bank
China Construction Bank provides residents with all-round convenience and housing services. It mainly provides housing loans to individuals who buy houses in the primary and secondary markets. With the development of the times, China Construction Bank has been recognized and sought after by countless consumers.
Editor's summary: The above has introduced to you which bank is good for mortgage, hoping to give you some little help. If you need to know more about the housing loan bank, you can always pay attention to our website!