China Construction Bank. Because CCB provides a full range of convenience and housing services, it provides a full range of personal housing loans to individuals who buy houses in the primary housing market or to individuals who buy second-hand houses in the secondary housing market.
Banks can pay attention to the following five aspects when choosing a loan to buy a house:
1, choose a big brand
For customers, brand bank means that this bank has a good reputation in the industry all the year round, diversified financial products, professional and efficient services and more secure later services. Property buyers choose brand banks with safe funds and good service quality, such as the five major banks.
2. Look at the bank interest rate
Although the benchmark interest rate of bank loans for more than five years is 4.9%, due to the different enthusiasm and policies of real estate executives in different cities, buyers will face the problem of raising interest rates when buying commercial houses or second suites, so buyers should make more comparisons and choose the one that is more suitable for them.
3. Look at liquidated damages
Some banks not only have liquidated damages for overdue repayment, but even some banks will charge liquidated damages for customers' partial prepayment, which is very stressful for customers who want to save interest through partial prepayment. Therefore, when comparing banks, be sure to ask the limit of liquidated damages so as not to get bored.
4. Look at the surcharge
In addition to the monthly principal and interest, the loan cost also includes handling fees and other miscellaneous fees that buyers need to consider. General mortgage needs to pay property insurance premium and mortgage registration fee. Therefore, property buyers should know the extra cost when consulting the interest rate, so as to clearly analyze the loan cost.
5. Look at the preferential threshold
The loan threshold of each bank is different, and the preferential threshold is naturally different. Usually, banks have certain requirements for customers who want to get preferential interest rates on loans, but not all customers can enjoy preferential interest rates or enjoy low interest rate discounts.
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 house price in one lump sum when buying a new house, so buying a house with a loan has become the choice of most buyers. So which bank should I borrow to buy a house? How much is the house loan? Keep reading if you want to know!
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 requirements for buyers' credibility but higher interest rate.
Second, how much is the house loan?
1. If you buy a house with a loan, you should decide the amount of the loan according to the economic range you can bear. Under normal circumstances, the down payment of the house is not less than 20% of the total house price, and the monthly repayment amount of the purchaser is not more than 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 initial monthly payment is relatively high, and the lender's repayment pressure 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 planning.
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 do not have fixed cooperative banks, these banks introduced in this article are good choices!
Which bank loans to buy a house is better?
Introduction of the top ten bank loan products:
I. Industrial and Commercial Bank of China
Product name: Rong e-loan
Interest rate: the annual interest rate is about 7.2%, which can be lower when there are preferential activities.
Line: 600,000-800,000, which is basically equal to the credit card line.
Duration: generally 2 years, up to 5 years. Support four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum, and support early repayment.
Second, China Construction Bank.
Product name: quick and easy loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.
Three. agricultural bank
Product Name: Online Loan Link
Interest rate: the annual interest rate is about 5%.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there is also a chance to make a quota. Small partners who have business dealings with ABC can try it.
4. Shanghai Pudong Development Bank
Product name: integral loan
Interest rate: annualized 6.3%.
Amount: up to 300,000 yuan.
Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average principal or equal principal and interest.
Evaluation: However, only provident fund loans can be used, and not all cities are open.
Verb (short for verb) Bank of China.
Product name: E loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.
Evaluation: State-owned banks are hot products with high application threshold.
6. China CITIC Bank
Product name: Yuanmengjin
Interest rate: 9% per annum.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: The threshold is not high. The credit cards of CITIC Bank can basically be applied for, and some of them will occupy the credit card quota.
7. China CITIC Bank
Product name: New Express
Interest rate: normal annualization is about 9%, and it drops to about 6.8% during preferential activities.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: Some will occupy the credit card limit.
8. China Everbright Bank
Product name: provident fund loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: up to 3 years. There are two repayment methods: matching principal and interest, and paying interest once a month.
Evaluation: To have a provident fund, not all cities are open.
Nine, the postal bank
Product name: mail your loan.
Interest rate: annualized 14%.
Amount: up to 200,000 yuan.
Duration: 2 years at most. Equal principal and interest.
X. China Merchants Bank
Product name: e-rental treasure
Interest rate: annualized 18%, with a daily interest of 5,000.
Amount: up to 300,000 yuan. The limit is not recoverable.
Duration: 2 years at most. Equal principal and interest.
What bank do buyers look for to buy a house loan?
What bank do buyers look for to buy a house loan? Property buyers generally find bank loans that cooperate with developers to buy houses, or they can find other bank loans themselves. There is no limit. The law does not give developers the right to designate loan banks. Many provincial and municipal housing management bureaus clearly stipulate that real estate development enterprises shall not increase restrictions or attach conditions in any form to ensure fair housing selection, and buyers have the right to choose their own loan banks. The specific process for buyers to apply for real estate mortgage is as follows: (1) Choosing real estate If buyers want to obtain real estate mortgage service, they should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. (2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan. (3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. (5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off. (6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser. To sum up, housing loan is a very common situation. Generally speaking, developers will give property buyers the choice of several banks, which bank must lend. Property buyers can compare the loan conditions of several houses and choose the most suitable one for loan purchase. Pay attention to the choice of banks must be cautious, and the repayment plan should be reasonable, so as not to cause huge repayment pressure in the later period.
Which bank should I use for housing loan?
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 units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.
China industrial and commercial bank low interest rates,
Process of handling mortgage to buy a house 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 examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal 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 apply 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 give 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 statement, etc. ; 3. Use certificate: the original property right certificate 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 supervision fund entry certificate 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 these information in detail through the handling bank when applying for the loan.
Which bank is good for personal housing loan?
China Construction Bank is better. Relatively speaking, it takes a long time for CCB to handle housing bank loans, and the procedures are relatively simple. The most important thing is that CCB's mortgage can reach 70% at most and its service life is longer. In this way, the money left after the down payment can be used for specialization or business turnover, and the interest of housing banks on the street is also lower than other mortgage loans.
Which bank is good for Harbin housing loan?
It's easier for CCB. 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 plus 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 apply 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 give 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 statement, etc. ; 3. Use certificate: the original property right certificate 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 supervision fund entry certificate 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 these 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 15% interest rate preference to borrowers who buy houses for the first time. In fact, the execution interest rates are: 5.508% for five years, 5.8 14% for three to five 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 loan for three or five years, the annual interest rate is 5.508%; when you apply for a loan for six or thirty years, the annual interest rate is 5.8/kloc-0.4%, even if you pay it off in the last five years. Different application years correspond to different grades, and the loan period should also be considered clearly.
Which bank is good for housing loan?
If there is a local China Merchants Bank outlet, 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, it is necessary 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 your city has China Merchants Bank, you can try to apply through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and choose 3 people to provide customer service -3-3-8 to provide loans, so as to 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 housing loan?
Hello, China Construction Bank.
China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second.
20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. [15] 20 19 was selected as one of the top 500 enterprises in the world in July.