Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, etc., all general banks can provide mortgage loans, but the review conditions and requirements of each bank are different

2. I want to use the real estate certificate as a mortgage loan. Does anyone know which bank can handle it?

Banks that can apply for real estate certificates as mortgage loans: Bank of China, China Construction Bank, Industrial and Commercial Bank of China, China Merchants Bank, and private loan companies.

1. Bank of China’s personal real estate mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product has the characteristics of one-time application, recurring use, and borrowing and repaying at any time. It is especially suitable for business owners who pursue "short-term, frequent and fast" and have recurring loan needs.

2. China Construction Bank’s personal consumption loans are the most economical: many banks’ loan interest rates are slightly raised based on the base interest rate, while China Construction Bank keeps the base interest rate unchanged.

3. Industrial and Commercial Bank of China personal business loans are the most time-saving: Industrial and Commercial Bank of China is slightly better in this regard due to its efficient work efficiency. The loan can be approved in as fast as 5 working days. Industrial and Commercial Bank of China real estate mortgage loans It has a wide range of uses.

4. China Merchants Bank’s real estate mortgage loans are the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods, and relatively cheap interest.

5. As a supplement to the bank’s real estate mortgage loan business, private loan companies can meet the needs of those friends who do not meet the bank’s application threshold and are in urgent need of money. In terms of loan threshold and processing speed, private loan companies are far behind Far more advantageous than banks.

Requirements for real estate mortgage loans:

1. The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and be able to enter the real estate market without any other mortgage. ;

2. The sum of the age of the house (calculated from the date of completion of the house) and the loan term cannot exceed 40 years;

3. The mortgaged house is not included in the local urban reconstruction plan. And there are real estate certificates and land certificates issued by the real estate department and the land management department.

Requirements for borrowers of real estate mortgage loans:

1. Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

2 .No illegal behavior or bad credit record;

3. Be able to provide a valid rights pledge guarantee recognized by the bank or be able to use a legal and valid real estate as a mortgage guarantee or a third-party guarantee with the ability to compensate;

4. Open a personal settlement account with Industrial and Commercial Bank of China, and agree to the bank deducting the principal and interest of the loan from the designated personal settlement account;

Other conditions stipulated by the bank.

1. Real estate mortgage loan application materials:

2. Real estate certificate (for house mortgage bank loans, the real estate certificate and land certificate must be mortgaged to the bank);

3. ID cards of the right holder and spouse;

4. Household register of the right holder and spouse;

5. Marriage certificate of the right holder (marriage certificate or Civil Affairs Bureau Certificate of unmarriedness issued by the applicant);

5. Proof of income (this certificate has a greater impact on the success of the house mortgage bank loan and the maximum amount.); 6. If the owner of the real estate certificate has For minor children, please provide a birth certificate;

7. If there is a bank loan in the property, please provide the original loan contract and the last bank statement;

8. In order to improve the approval rate of house mortgage loans, please provide as many other proofs of the family's property as possible (such as other property certificates, stocks, funds, cash passbooks, vehicle driving licenses, etc.)

3. Which bank can Apply for a house mortgage loan

1. Application conditions. For home mortgage loans, banks not only have to check whether the house meets the conditions, but also have more requirements for the borrower's qualifications, such as credit status, personal income, etc. When applying for a home mortgage loan from a lending company, it mainly depends on whether the value of the house is high and whether it has the ability to realize cash. Borrowers with poor credit and debts can generally get a loan from a lending company as long as they can provide a qualified house for mortgage.

2. Approval speed. Home mortgage loan banks have a lot of procedures and approvals are very slow. It takes about 20 working days at the earliest to get a loan. The loan company has simple procedures and fast approval. You can usually get the loan within 10 working days.

3. Loan amount. Generally speaking, the maximum amount of a home mortgage loan is related to the appraised value and cannot exceed 70%. This is true for both banks and companies. In actual approval, loan companies are relatively relaxed. For the same borrower, the amount approved by the bank may not be as high as that of the loan company.

4. Loan fees. Except for the two major non-loan institution charges, home appraisal fees and mortgage registration fees, bank loan fees are generally much lower than those of loan companies. However, some banks require borrowers to purchase financial products for a certain proportion of the loan amount. For example, a bank privately stipulates that for a loan of 500,000 yuan, a financial product of 10,000 yuan is required.