Which bank is the best for home loans?

For home purchase loans, you can choose state-owned banks, including Bank of China, Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and Bank of Communications , Postal Savings Bank of China. These banks are large comprehensive commercial banks with broad and diversified business coverage.

Notes on mortgage loans

1. Look at the loan interest rate discount

When applying for a mortgage, you must first look at the bank's loan interest rate discount, which is the benchmark for loans over 5 years stipulated by the central bank. The interest rate is 4.9. However, in actual operations, banks in various places will set interest rate discounts based on the general environment of the mortgage market, so that there will be a minimum interest rate and a maximum interest rate. Low interest rates mean less mortgage interest, which is the key to saving money for home buyers and is also the first factor to consider when choosing a bank.

2. Look at the threshold for loan discounts

Generally, banks have certain requirements for customers who want to obtain preferential interest rates. Not everyone can enjoy the preferential interest rates. . This is another criterion for choosing a bank that we want to talk about - look at the loan threshold, which includes 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 cannot exceed 20 years. There are strict bank requirements that the age of second-hand houses cannot exceed 15 years. There are also requirements It cannot exceed 10 years.

3. Look at the bank’s interest rate adjustment methods

Mortgage interest rates directly affect the economic pressure of borrowers. When the central bank raises or lowers interest rates, mortgage interest rates will be adjusted according to the bank’s interest rate adjustment methods. Difference makes a difference.

Which bank has the lowest loan interest rate

The following four banks have low loan thresholds:

1. CCB Quick Loan. China Construction Bank Quick Loan is a credit loan platform under China Construction Bank, including a variety of different credit loan products.

Among them, Quick Loan has a minimum loan application threshold and a maximum loan amount of 200,000 yuan. As long as the user If your personal credit information is good and you have a relevant account with China Construction Bank, you can try to apply.

2. Bank of Communications Haoxiangdai. Bank of Communications Enjoy Loan is a credit card loan product of Bank of Communications. It does not occupy the credit card limit and can give users a credit limit of up to 150,000.

The threshold for receiving a loan from Bank of Communications is not high. As long as you hold a Bank of Communications credit card, you can try to apply for a good loan in Bank of Communications mobile banking.

3. China Merchants Bank e-loans. China Merchants Bank e-China Merchants Bank is a product of China Merchants Bank and a credit card loan product. The maximum loan amount that can be applied for via China Merchants Bank e is 200,000 yuan, which does not occupy the credit card balance.

Users who hold China Merchants Bank credit cards can try to apply. If it is during the preferential period, the daily interest rate of China Merchants Bank e-loan is as low as 0.04.

4. Bank of China E-loan. BOC E Loan is Bank of China’s personal online consumer loan product.

Users who have paid wages with the Central Bank for more than 6 months, paid mortgage loans with Bank of China for more than 24 months, and paid provident funds with Bank of China for more than 6 months can try to apply. The maximum loan amount that can be applied for Bank of China E-loan is 300,000 yuan.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline.

"

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to realize cash quickly without loss. , to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for a bank's continued operation.

For example, if long-term loans have higher interest rates than short-term loans, the efficiency is good. , but as the loan term increases, the risk will increase, the security will decrease, and the liquidity will become weaker. Therefore, the "three characteristics" must be harmonious to ensure that there are no problems with the loan.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan's principal and interest is repaid in equal monthly installments. Housing provident fund loans and most banks' commercial personal housing loans adopt this method. This method has the same monthly repayment amount;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) throughout the repayment period. A repayment method that simultaneously pays off the loan interest from the previous transaction day to the current repayment date. In this method, the monthly repayment amount decreases month by month;

3. Pay interest on a monthly basis. Repay the principal on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), the loan interest is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: The borrower applies to the bank to repay part of the loan amount in advance. The general amount is 10,000 or an integral multiple of 10,000. After repayment, the lending bank will issue a new repayment plan. The repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: that is, borrowing money. If a person applies to the bank, he or she can repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay: interest after borrowing. It is calculated on a daily basis, and the interest is calculated on one day. You can settle the payment in one lump sum at any time without penalty.

Which bank is the most cost-effective for buying a house?

Loans for buying a house are generally divided into two. Categories: Commercial loans and housing provident fund loans. Because different loans have different loan conditions, and different loan interest rates and terms.

1. Bank of China mainly deals in provident fund loans. There are three types of first-hand housing loans and personal second-hand housing loans. Bank of China is mainly engaged in commercial banking business, including corporate, personal finance, capital business, international capital business and financial institution business.

2. Agricultural Bank of China. There are many credit brands launched, the service industry is good, and the repayment methods are flexible. The business field of Agricultural Bank of China has developed from the initial agricultural credit and settlement business to a complete range, a combination of local and foreign currencies, and the ability to handle international and domestic transactions. All kinds of financial services.

3. China Construction Bank’s loans can be used for home purchase only, or combined with home purchase and decoration loans; they can handle both first-hand house loans and second-hand house loans; Provident fund loans can also be used for personal housing loans; it can not only provide loans for individuals purchasing commercial housing, but also can purchase affordable housing, etc.

4. ICBC has always taken a low-key route and launched commercial housing mortgage loans and personal housing portfolio loans, which are relatively reliable choices. ICBC is China's largest corporate bank, with 4.12 million corporate customers as of the end of 2010. ICBC adheres to the steady development of credit and maintains its status as China's No. 1 credit bank.

Notes:

Conditions for bank loan application:

1. Natural persons aged 65 to 65 years old;

2. The borrower's actual age plus the loan application period should not exceed 70 years old;

3. Have a stable career, stable income, and the ability to repay the loan principal and interest on time;

4. Good credit report , no bad records, the loan purpose is legal, etc.

Which bank offers the best personal loan? And the interest rate is low.

The banks with better personal loans and lower interest rates include China Merchants Bank, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, Industrial Bank, Huaxia Bank, etc.

Personal consumption loan bank comparison:

1. Characteristics of China Merchants Bank’s personal consumption loan products: It can be issued in batches according to customer needs.

The sum of the amount of each loan shall not exceed the approved loan amount. The loan period of each loan shall be the same and the repayment method shall be the same.

2. Features of China Construction Bank’s personal consumption loan products: high loan limit, wide range of consumption purposes, and low loan interest rate. For its Quick E-Loan product, the loan interest rate is only about 7.6.

China Construction Bank’s loans are very comprehensive. It can simply take out a loan to buy a house, or it can combine the purchase and decoration of a house with a loan. It can handle both first-hand house loans and second-hand house loans, it can provide provident fund loans, and it can handle personal housing loans. It can provide loans for individuals purchasing commercial houses, and Ability to purchase affordable housing, etc. Therefore, CCB provides people with too much convenience in their lives.

The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!

Recommend you to get a loan from Xiaoman Finance (formerly Baidu Finance). The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast. It only takes 30 seconds at the fastest, and the loan funds can be received in 3 minutes at the fastest. You can borrow up to 200,000, and the daily interest rate is as low as 0.02.

Du Xiaoman - If you have money to spend (batch in seconds), click online to measure the amount

As a reminder: after the limit is exceeded, try to withdraw the full amount, because risk control is dynamic. Not many people can lend money now. If you have needs, it is recommended to withdraw the full amount. Early settlement and repayment is supported after the first installment.

Many people have enough money to spend, so you can try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! 360 IOU is a financial subsidiary of 360 Anti-Virus Software, and Fenqile is a subsidiary of Lexin. They are both large companies.

360 IOU can borrow up to 200,000 yuan!

Click to measure the amount online

You can borrow up to 50,000 in installment loan!

Click to measure the amount online

Which bank has the lowest mortgage interest rate and is the best one?

If you apply for a mortgage loan at the Bank of China, it will be based on the information released by the People's Bank of China. The interest rate for loans of the same grade or LPR is used as the base interest rate. Please consult local outlets for details. For questions about other banks, please contact their personnel directly.

The above content is for your reference, please refer to actual business regulations.

Which bank currently has the lowest loan interest rate?

Most banks currently have the lowest loan interest rates on the market. The interest rates of China Merchants Bank, China CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, etc. are also consistent with the central bank's loan interest rates.

1. Bank of China

According to Bank of China’s semi-annual report, the balance of loans to Bank of China’s mainland RMB customers is 5.75 trillion, with an average yield of 6.23, of which corporate loans are 3.7 trillion , the average yield is 6.49, the personal loan balance is 1.9 trillion, and the yield is 5.67.

2. Industrial and Commercial Bank of China

The semi-annual report shows that the total amount of ICBC customer loans is 10.3 trillion, with an average yield of 5.8, of which the total amount of corporate loans is 6.69 trillion, with an average yield of The rate is 6.11, the total number of personal loans is 2.8 trillion, and the average yield is 5.64. The yield is the cheapest among the 13 banks.

3. Ping An Bank

In the first half of 2014, the average loan balance of Ping An Bank in the first half of the year was 0.88 trillion, and the average yield was 7.5. The average balance of corporate loans in the first half of the year was 0.53 trillion, and the average yield was 6.51. The average balance of personal loans in the first half of the year was 0.34 trillion, flat at 9.04, and the loan prices were the most expensive.

4. Agricultural Bank of China

The Agricultural Bank of China’s semi-annual report shows that the total number of customer loans was 7.56 trillion, and the average yield in the first half of the year was 6.01, of which the average balance of corporate loans was 4.9 trillion , the average yield was 6.22; the average balance of personal loans was 2.2 trillion, and the average yield in the first half of the year was 6.02.