Which bank is the best for mortgage loan?

When handling housing loans, different banks may have different requirements and auditing standards. So we can't simply answer which bank handles the best question.

Generally speaking, large state-owned banks and national joint-stock banks are relatively mature in housing mortgage loan business, with relatively perfect audit procedures and risk control systems. These banks usually offer more favorable interest rates and flexible repayment methods, but it should be noted that borrowers need to meet higher conditions due to their strict auditing standards.

However, some local banks or rural credit cooperatives may be more flexible in housing mortgage loan business, and the auditing standards are relatively loose. These banks may provide some special services, such as quick approval and low interest rates, to meet the financing needs of different customers.

Here are some recommended banks:

Large state-owned commercial banks, such as China Bank, China Construction Bank and Industrial and Commercial Bank of China. These banks have strict loan review standards and risk control capabilities, but they also provide relatively stable interest rates and repayment methods, as well as relatively perfect services.

National joint-stock commercial banks: such as China Merchants Bank, China CITIC Bank and Huaxia Bank. These banks are highly professional and flexible in loan business, and can provide customized loan schemes according to the needs of different customers.

Local commercial banks: such as Bank of Beijing, Bank of Shanghai and Bank of Nanjing. These banks have a certain market share and influence in the local area, and it may be easier for local borrowers to obtain loan approval.