The bank? Hidden rules? This model is very strong.
Mode 1: You have to save money before you can get a loan.
Miss Wang bought a house on the southeast coast of Kerong, Yuhua District, Changsha. 20 1 10 10 She handled the mortgage business in China Bank. At that time, all the formalities were complete.
A month passed, but there was no news from the bank. Miss Wang called the developer, who said there was no limit for bank loans. Later, Miss Wang called the bank, and the bank clearly told her that if she wanted to get the loan down as soon as possible, she would deposit a quarter of the bank loan. According to the amount of Miss Wang's loan, it needs155,000 yuan a year. Miss Wang did as the bank said, but it was almost a month. Hidden rules? Teacher Wang is angry and anxious.
Mode 2: You must be insured to get a mortgage.
Mr. Xiao, who worked in the media industry recently, was a little angry and almost broke his mobile phone during the meeting. It turned out that the bank mortgage staff called and threatened Mr. Xiao to cancel the mortgage line he was handling if he did not handle the personal accident insurance business of the bank as soon as possible; Mr. Xiao said that he had just taken a fancy to a house and was going to apply for mortgage business in China Bank, but he was told that if he wanted to apply for mortgage business, he needed to apply for 1800 yuan insurance. Although the amount is not large, Mr. Xiao feels very angry because it is a very unreasonable additional business.
Bank response: handling insurance or pre-deposit can speed up loan approval.
The reporter called some banks in Changsha. Among them, Bank of China Furong Sub-branch said that at present, banks do not need to deposit in advance or handle any additional banking business except the basic handling fee. Later, when the reporter called CCB to ask whether other businesses should be attached to the mortgage, the service staff implicitly said that although there is no mandatory requirement to handle the fund deposit business, if the bank handles the funds or deposits in advance, the loan approval will be accelerated, because handling the funds and deposits in advance is the embodiment of personal economic strength.
The insiders say that it is all caused by the tight mortgage quota? Disaster?
According to industry insiders, it is not difficult to complete the lending target under the tight overall credit supply this year, so the assessment of account managers is mainly based on deposit indicators; Therefore, in some bank outlets, it is increasingly difficult for account managers to take the initiative to find customers to pull deposits, and the cost is getting higher and higher, so they use mortgage business to help pull deposits.
Lawyer:? Kidnapping lenders can report to the CBRC.
In response to this phenomenon, the reporter interviewed Zhou, an authoritative real estate lawyer in Changsha. He believes that if this situation really exists in banks, it is obviously a violation of relevant laws and regulations, which is purely a monopoly. As long as the lender has the loan conditions, the bank may not take the mortgage as a condition? Kidnapping the lender to handle any extra business.
Lawyer Zhou believes that the bank's move is entirely to increase its profit income. In the context of tight money supply, banks can float on the benchmark interest rate of the central bank when lending, so it is less likely to simply pursue profits. In contrast, deposits are the lifeline of banks, and banks have deposit indicators, so banks will force lenders to handle extra business? Hidden rules? ; If this happens when people apply for mortgage loans, they can complain to the CBRC to safeguard their legitimate rights and interests.