Chengdu Housing Mortgage Loan: Which is better, China Merchants Bank or Agricultural Bank?

1. Chengdu Housing Mortgage Loan: Which is better, China Merchants Bank or Agricultural Bank?

How about the housing mortgage loan of Chengdu Agricultural Bank? The housing mortgage loan of Chengdu Agricultural Bank is aimed at the lender who has a legal purchase contract, works continuously for 1 year and earns more than 6,000 yuan a month. The housing mortgage loan of Chengdu China Merchants Bank is aimed at lenders with a monthly income of more than 6,000, working or operating 1 year and good credit. Loan information, loan amount, term range, loan time and expense description, repayment method, Chengdu Agricultural Bank 1- 1 2-240 months 15 working days, the first set is 5.5675%(8.5 fold). 2 sets of 7.205%( 1. 1 time) installment repayment to Chengdu Merchants Bank1-kloc-0/50,000 12-360 months 12 working days, the first set of 6.55% (no floating). Two sets of 7.205%( 1. 1 times) equal principal and interest, average capital From the comparison of tables, we can see that China Merchants Bank and Chengdu Agricultural Bank have their own advantages in housing mortgage loans. The advantage of Chengdu Agricultural Bank's housing mortgage loan lies in the expected annualized interest rate concessions. The expected annualized interest rate of the first suite is 5.5675% of the benchmark expected annualized interest rate, which can save a lot of loan interest costs. The advantages of Chengdu Merchants Bank's housing mortgage loan are high loan amount, long loan term and short loan time. Compared with ABC, the loan amount of China Merchants Bank is very high, as high as 150,000, which is15 times that of ABC. In addition, the longest loan period can reach 360 months, which is longer than that of ABC 120 months. Lending time 12 working days, 3 days faster than that of Chengdu Agricultural Bank. Generally speaking, the Agricultural Bank of Chengdu expects preferential annualized interest rate, high loan amount, long time and fast loan.

Second, is it better for mortgage banks to choose ABC or attract investment?

It is suggested that applying for housing loan from Agricultural Bank of China should conform to the local housing purchase policy, and the sum of the borrower's age and loan period should not exceed 70 years. At the same time, you should provide proof of identity, proof of use and proof of income, and consult the loan bank in detail. If you apply for a first-hand housing loan, you can first confirm with the developer whether you have a cooperative relationship with our bank. If so, you can directly contact the resident staff of the property. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. First-hand housing loan applications generally need to provide the following application materials: 1, identity documents of the borrower and spouse; 2. The borrower's household registration certificate and marital status certificate; 3. Proof of the borrower's repayment ability; 4. The borrower and the seller have signed a real, legal and effective house sales contract; 5. Proof of down payment for house purchase. 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.

3. What is the mortgage interest rate of China Merchants Bank?

The commercial loan interest rate of China Merchants Bank generally fluctuates on the basis of the benchmark loan interest rate of the People's Bank of China, and the specific floating ratio is related to the purchase price, the applicant's credit status and income level. The reserve is implemented according to the benchmark interest rate of the People's Bank of China.

China People's Bank loan benchmark interest rate standard is as follows:

1. The benchmark interest rate for commercial loans with a loan term of less than one year is 4.3.

2. The benchmark interest rate for commercial loans with a loan term of one to five years is 4.75%;

3. The benchmark interest rate for commercial loans with a loan term of more than five years is 4.90%;

4. The benchmark interest rate for provident fund loans with a loan term of less than 5 years is

5. The benchmark interest rate for provident fund loans with a loan term of more than 5 years is 4.90%.

Housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank shall sign a mortgage loan cooperation agreement with the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength and qualified developers;

3. The purchaser and the developer sign a commercial housing sales contract.

4. The lender will continue to investigate and review the purchase.

5. After the lender approves the buyer's loan, the company and the invoice;

6. In the future, as long as the borrower leaves enough repayment amount on each card, the loan bank will automatically deduct it from the borrower's account and settle it all at maturity;

7. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.

Bank mortgage loan process

1. Materials prepared by the lender: ID card, household registration book, marriage certificate, income certificate and bank account;

2. Then sign in the bank.

3. The bank will review the loan, and if there is no credit problem, it will call to review the authenticity of the information submitted by the lender;

4. After the approval, the bank will ask the lender to take the property right certificate to the bank;

5. Banks get mortgage loans from the Housing Authority.

4. Which is better, China Merchants Bank or Rural Commercial Bank?

Compared with rural commercial banks, China Merchants Bank is better:

1, China Merchants Bank, the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China, was founded by Hong Kong China Merchants Group Co., Ltd. on April 8, 1987. It is the sixth largest bank in China and one of the eight banks and five guarantees of China financial stocks in Hong Kong.

2.Ruralcommercialbank is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.