Foreign banks in China can lend money. A foreign-funded bank legally established within the territory of China can conduct deposits, loans, bills, foreign exchange trading and other businesses. For ordinary individual customers, the business of foreign banks is not obviously different from that of Chinese banks. To understand the loan products and requirements of foreign banks, you can go to the bank in official website or go to the bank outlets for consultation. When choosing a bank to apply for a loan, the borrower should choose the most suitable bank loan product according to his actual situation and loan demand.
Why not choose foreign banks for mortgage loans?
From the advantages and disadvantages of foreign banks, we can see that foreign banks are not very optimistic about the choice of mortgage, and the mortgage of foreign banks is not suitable for everyone. Domestic banks provide common people with provident fund loans, commercial mortgages and mixed loans, which are very rich in types and have relatively low interest rates. The main competitive customers of foreign banks are high-end users, especially high-end houses. The advantages of villa mortgage are more obvious, and the loan currency of foreign banks is relatively free. The use rate of foreign currency by ordinary people is relatively low. Therefore, the choice of foreign banks or domestic banks for mortgage mainly depends on your actual situation and what type of real estate you need to buy.
Foreign banks and domestic banks have their own characteristics in housing loans, so it depends on the borrower's actual situation to choose whether to buy a house with foreign bank loans or through domestic bank loans.
Foreign banks have certain advantages in mortgage loans, and the risk control of foreign banks will be stricter, especially in the qualification examination of lenders, the selection of loan projects and the amount of loans. Foreign banks have higher requirements for personal credit. Secondly, foreign banks have obvious advantages over domestic banks in loan ratio. For example, they bought a property worth 6.5438+0 million, and if all the loans are approved, they can get a loan of 600,000-700,000. Although the service quality of foreign banks is very high, and they can provide one-to-one service for customers, the charging standard is relatively high. Foreign banks review loans quickly and flexibly, and there is no minimum limit on the repayment amount of borrowers.
Although foreign banks have many advantages, their disadvantages are also very obvious. Foreign banks have higher threshold, strict audit, fewer outlets and longer audit time. Foreign banks will set a minimum loan standard for the loan amount, and limit the housing property rights and years of loans. Foreign banks will restrict and narrow the scope of loans to borrowers and the real estate they want to mortgage. Foreign banks have limited banking outlets, so it is not very convenient for borrowers to repay loans.
Can foreign banks in Beijing lend money?
Foreign banks in Beijing can make loans, and borrowers can apply for personal credit loans, personal mortgage housing loans, corporate loans, mortgage loans and commercial loans. Foreign banks in Beijing, but can not apply for provident fund loans. Foreign banks have lower qualifications than borrowers, and credit loans are similar to those of domestic banks. Taking HSBC and Citigroup as examples, borrowers are required to have spotless credit information and a monthly income of more than 5,000 yuan. If the borrower applies for a mortgage, he still needs the loan amount. Borrowers can call the loan application bank for details.
Foreign bank loans can't be used for credit investigation? Is foreign bank mortgage reliable?
; ? When going to a bank to apply for a loan, the credit report is one of the key materials that the bank pays attention to. Many borrowers will be unable to borrow because their credit reports are unqualified. Many borrowers have asked, can foreign banks really not get credit information for loans? Is foreign bank mortgage reliable? Let's get to know each other!
Is it true that foreign banks can't get credit information for loans?
Of course, it is false that foreign bank loans are not creditable. In principle, all banks are supervised by the People's Bank of China, including credit loans, mortgage loans and credit cards, which will be displayed on the credit information system of the People's Bank of China. Therefore, the so-called "bank loans do not receive credit information" does not exist.
The so-called foreign banks refer to wholly foreign-owned banks in China. At present, foreign banks in China include: HSBC, Standard Chartered Bank, Bank of East Asia, Hang Seng Bank, Bank of America, OCBC Bank, Mandy Bank, ANZ Bank, DBS Bank, Dah Sing Bank, Foreign Exchange Bank, Pangu Bank, Huayi Bank, Capital Bank and Zheng Xin Bank.
These foreign banks have low requirements for borrowers' credit information, but very high requirements for borrowers' annual income. Chinese banks generally require that the monthly income from borrowing can reach twice the monthly payment, and there is no bad record in credit investigation. On the other hand, foreign banks require borrowers to earn more than twice their monthly income.
Is foreign bank mortgage reliable?
Foreign banks are more suitable for customers with high income but poor credit information and high-quality housing lots, because foreign banks have mortgage requirements and only accept housing in high-quality lots within 20 years old. Handling mortgage loans in foreign banks, regardless of qualifications or other procedures are relatively complete, do not worry about legal issues.
The above is the sharing of the related content of "foreign bank loans are not creditable", I hope it will help everyone!