Ji'nan has yet to deal with the first set of cases
http://roll.sohu.com/20120423/n341343874.shtml
source economic guide Author: Liu Yong
for individual housing loan
in the near future, many commercial banks in Beijing, Shanghai, Wuhan, Nanjing and other first and second line cities restarted the interest rate ten percent off or even 15% off, and the news has been spread, Banks in Ji'nan also offer preferential policies on interest rates of 15% off
, however, on the night of 21, the economic news reporter and a number of banks in Ji'nan who are in charge of the mortgage manager and the secondhand housing intermediary have learned that now the bank
is generally able to give 5% off interest rates, but it is difficult for the ordinary consumers to apply for the 15% off discount, except for the silver The quality of the outdoor customers depends on whether the contribution to the bank reaches the standard
. It is understood that Ji'nan has not yet made a substantive turnover of 15% off of the business. "
rules and regulations require multiple
" unlike last year, not only the first suite loan rate fell to the benchmark level
even can be discounted, the application difficulty also reduced a lot. " Xing Fang, director of Ji'nan Fang you real estate Co., told the guide.
according to his introduction, the most favorable one of the second hand house single
the most favorable one house loan interest rate reached ten percent off, and the owner of this discount was working in a business unit with his wife serving in a middle school in Ji'nan. "Although their qualifications are good, but
"now basically the range is between 5% off and ten percent off. In theory, high quality customers buy
first suite with a 15% off interest rate." During the forum, Sun Ming, a loan manager of a state-owned bank, explained: "the concept of quality customers actually contains two meanings. On the one hand, the real estate which is cooperating with the Bank of
is regarded as a high quality building, and the customers who buy such real estate are regarded as high quality customers; on the other hand, if the buyer is a VIP client of the bank, it will naturally become an excellent
quality customer.
according to his introduction, property buyers buy real estate projects and banks have "linked" to get the corresponding minimum discount rate, which is not uncommon in many banks. "To complete the financial business stipulated by
, the buyers will be able to pass the examination more smoothly and quickly."
according to the news reporter, even if the first set of housing, ordinary housing and other standards, for second-hand housing purchase
to apply for preferential interest rates, its difficulty is larger than the purchase of commercial housing. Some state-owned banks clearly demand that customers who buy second-hand houses should be VIP customers or have high comprehensive contributions to get
lower loan interest rates, but the evaluation of the VIP customers of each bank is more complex.
Zhang Kai, a loan manager of a joint-stock bank, told the reporter that the comprehensive contribution is also considered by many banks
, however, Zhang Kai did not disclose the detailed requirements for the deposit quota and the index value of daily account flow with
body. "Banks will make a comprehensive assessment of customer contributions in terms of financial assets (such as regular deposits), personal liabilities (such as credit card overdraft),
intermediate business (such as investment financing), settlement (such as foreign remittances), and card consumption."
the customer manager of another joint-stock bank said that in the loan bank
500 thousand yuan and above (if there is a strong consumption or repayment ability), the annual consumption is 50 thousand to 100 thousand yuan, and there is no overdue repayment record, it will definitely be positioned as a high quality customer.
reporter
learned in the interview that at present, Ji'nan has not yet traded a single 15% off interest rate preferential mortgage.
mortgage loans such as "chicken ribs"
"in fact, 15% off concessions have always been possible."
Zhang Kai said there has been a concession discount in the personal loan market. Theoretically speaking, 15% off has never disappeared. For individual high-quality customers, it is possible to get a low price loan. "Because according to the previous regulatory
. "
Zhang Chengliang, a client manager of a joint-stock bank, is surprised: 15% off is sure to lose money. "In the era of negative interest rates, let alone eight
half off, even ten percent off will lose money."
Zhang Chengliang gave a newspaper reporter an account: the benchmark interest rate above 5 years is 7.05%, ten percent off 6.345%, 15% off is
5.993%, and the 5 - year deposit rate is 5.5%. Loan 1 million yuan to mortgage customers, one year recovery interest rate of ten percent off is 63 thousand and 450 yuan, if it is 15% off, is 5.993
ten million, if the current 20.5% deposit rate, if to lend 1 million yuan, you need to absorb deposits 1 million 257 thousand and 900 yuan, one year paid interest of 69 thousand and 180 yuan.
plus the current
inflation rate, employee salaries and other expenses... In this way, the mortgage will not make money, but lose money. " Zhang Chengliang said.
in his view, the current mortgage business for banks
is "chicken ribs". "The mortgage business is purely aimed at strengthening the adhesion with customers and opening up for other businesses." According to him, new customers apply for loans, and the first mortgage is usually the benchmark
lending rates of SMEs generally rise, ranging from 10% to 40%, compared with mortgage loans, the profits are relatively large.