Applying for a mortgage usually needs to be handled through a bank. There are so many banks in China, and the standards of each bank are different. There are subtle differences in mortgage interest rates, quotas and repayment methods. If you plan to buy a house, I suggest you choose a bank. Today, I will introduce how mortgage banks choose and have these tips.

1, bank loan

Anyone who has bought a house will know that generally speaking, it is not necessary to borrow any bank. Developers will introduce several banks, and buyers can compare interest rate concessions, income requirements and loan speed. And choose one of the banks to lend. Generally speaking, these banks that have reached cooperation with developers will take the initiative to give certain discounts to property buyers.

Second-hand houses can also find formal intermediary companies, and the other party will also introduce suitable banks. You can choose according to the situation of the house and consult specific policies.

2. Provident fund loans

Apply for a loan from the provident fund center. On the basis that everyone meets the basic conditions of provident fund loans, the amount of provident fund paid by buyers every month, and even the rating of their company or unit, will be determined by the total amount of loans.

3. Portfolio loan

Compared with the first two methods, portfolio loans have a more troublesome place, that is, the application time is almost equal to the sum of normal commercial loans and provident fund loans. At the same time, two loan contracts are needed, including a commercial loan contract and a provident fund loan contract. Everyone should run more banks.

In short, mortgage is not a trivial matter. For your own rights and interests, you must know more about the bank's relevant policies and consult the situation in advance.

What bank do you choose to buy a house with a loan? Consider from these aspects!

Nowadays, too many people buy houses through loans. Besides provident fund loans, banks are a good choice. If you are buying a house for the first time, you need to be careful when choosing a bank. Today, I will introduce how to choose a mortgage bank, mainly from these aspects.

1, loan policy

The preferential policies of each bank are different. The central bank has set the benchmark interest rate, and banks can fluctuate according to the situation, so the interest rates of different banks will be different. Although small, it can save thousands or even tens of thousands of yuan in mortgage interest, which is the key to saving money. You can ask the bank more. If the developer designates a bank, the choice is small.

2. Apply thresholds

Different banks have different requirements for applicants. For example, some banks require applicants to have an account in the bank for more than 15 years, while others require second-hand houses for no more than 10 years. These are all things to consider.

3. Next speed

Mortgage loan approval is long and complicated. Due to many factors, such as policy, approval process and the number of applicants, the next payment time varies from one month to several months. It is best not to choose a popular bank, and the waiting time is generally longer. Ask the credit manager when the next payment will be made, so as not to delay your purchase plan.

4. Interest adjustment method

Different banks have different regulations on interest rate adjustment methods. Some allow customers to choose, and some implement the same interest rate adjustment method for all customers. Please be clear before applying for a mortgage.

5. Penalty interest

Although most users will not settle accounts in advance, in order to prevent family financial changes, it is still necessary to ask the rules for repaying loans in advance so as not to bear too much liquidated damages.

Which bank is better to borrow money to buy a house?

Loans to buy a house are generally divided into two categories: commercial loans and housing provident fund loans. Because of different loans, the loan conditions are different, and the loan interest rate and term are also different.

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

2. ABC has launched many credit brands, good service industry and flexible repayment methods. The business field of China Agricultural Bank has developed from the initial agricultural credit and settlement business to a complete range, combining local and foreign currencies, and can handle all kinds of international and domestic financial business.

3. The loan from China Construction Bank can be used not only for house purchase, but also in combination with house purchase and decoration loans; You can handle both first-hand housing loans and second-hand housing loans; Provident fund loans and personal housing loans can be handled; It can not only provide loans for individuals who buy commercial housing, but also purchase affordable housing.

4. ICBC has always taken a low-key route and launched commercial housing mortgage loans and personal housing portfolio loans, both of which are more reliable choices. ICBC is the largest corporate bank in China, with 465,438+0 corporate customers by the end of 1965. ICBC adheres to the steady development of credit and maintains its position as the first credit bank in China.

Precautions:

Conditions for banks to apply for loan business:

1, a natural person aged from 65;

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

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, legitimate loan use, etc.