Is it better to loan state-owned banks or foreign banks?
1, loan application conditions
Judging from the requirements for borrowers, state-owned banks pay more attention to the all-round development of borrowers, which means that credit information, income and repayment ability are indispensable. Foreign banks pay more attention to the income of borrowers. Even if the borrower's credit information is not very good, he can successfully borrow money from foreign banks with high returns.
2. Loan application interest rate
In terms of loan interest rate, most state-owned banks float on the basis of the central bank's benchmark interest rate, while foreign banks have different loan interest rates and different regulations. Most loan interest rates are different from those of state-owned banks.
3. Concessional loan application
If borrowers want to apply for large loans, state-owned banks and foreign banks generally have some preferential loans, that is, interest rate concessions. It is difficult for state-owned banks to apply for preferential loans, and it takes a long time. In order to attract customers, foreign banks basically give the lowest discount to high-quality customers.
4. Other expenses
What foreign banks pay attention to is a kind of "high-quality service", and correspondingly, it is high fees. Take prepayment as an example. Standard Chartered Bank charges 3% of the repayment amount, which means prepayment of 65,438+10,000 yuan will charge 3,000 yuan. HSBC and Hang Seng Bank also charge up to 3% of the repayment amount.
The above is about "whether it is better to loan state-owned banks or foreign banks". I hope I can help you!