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.

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!

Mortgage, which bank is the best?

State-owned banks can be selected for 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, so that the lowest interest rate and the highest interest rate appear. 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 want to talk about-looking at the threshold for loans, including the threshold for obtaining interest rate concessions.

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 it should not exceed 15 years, and some banks require that it should not exceed 10 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 vary 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, if you buy a house with a loan, you must choose the right bank, otherwise there will be a series of troubles. So, which bank mortgage is better? 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 its image, so it has unconsciously become a good helper for ordinary people to buy homes. "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 kinds 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 buyers.

3. Industrial and Commercial Bank of China

China Industrial and Commercial Bank (ICBC) took the lead in launching individual housing portfolio loans, mainly including mortgage loans, down payment loans for individual commercial houses, short-term loans for real estate development enterprises, individual housing portfolio loans and other business types. Everyone is most concerned about individual housing portfolio loans.

4. China Construction Bank

China Construction Bank provides residents with all-round convenience and housing services, mainly providing housing loans to individuals who purchase 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 introduces the related content of which bank has a good mortgage, hoping to give you some help. If you need to know more about the housing loan bank, you can always pay attention to our website!