It is reported that on the one hand, the Agricultural Bank of China actively responded to the call of the central bank and made it clear that it would provide more favorable products and better services to protect and improve people's livelihood. Give active support to residents' demand for first-time purchase of ordinary self-occupied housing and improved ordinary self-occupied housing loans in terms of loan interest rate and down payment ratio, with a minimum down payment ratio of 20%; The minimum execution interest rate of the loan is adjusted to 0.7 times of the benchmark interest rate of the same grade in the same period.

On the other hand, the Bank will adhere to the principle of symmetry between risks and benefits, continuously improve its ability to analyze and respond to the trend of the real estate market, strengthen the screening of customers' repayment ability, implement multi-dimensional refined personal mortgage policies by regions, projects and customers, and improve its independent pricing and risk control capabilities. First, whether the best interest rate can be applied to the owner-occupied house purchase will consider the risk factors such as the type of house purchase, the borrower's credit history and repayment ability. Second, the borrower is required to buy non-ordinary housing, even if it is the first time to buy a house, the down payment ratio is not less than 25% in principle. Third, it is stipulated that the down payment ratio of borrowers who purchase non-owner-occupied housing should not be less than 30%, and the loan interest rate for purchasing non-ordinary housing should not go down in principle. Fourth, strictly control the issuance of loans to borrowers who apply for multiple sets of personal housing loans at one time.

According to another introduction, in addition to the preferential policies for new loans, the Agricultural Bank also focused on the interest rate adjustment policy for existing individual housing loans. In order to strengthen the service to high-quality customers and further improve efficiency, the Agricultural Bank of China has adopted two ways in the process of adjusting the existing loan interest rate. One way is automatic adjustment, that is, for loans with an initial loan amount of more than 300,000 yuan (inclusive) and the original execution interest rate of 0.85 times of the benchmark interest rate of the same period and grade, in principle, the interest rate is automatically adjusted through the internal computer system of the bank without the borrower's application. From June 65438+1October 65438, 2009, the execution interest rate of the loan will be uniformly lowered to 0.7 times of the benchmark interest rate of the same period and grade. The other way is manual adjustment, that is, for loans that do not meet the automatic adjustment standards or cannot be adjusted automatically for other reasons, the borrower must first submit a written application. In the process of examination and approval, the bank shall, on the basis of the original contract, comprehensively consider the original applicable interest rate, customer contribution, customer credit and regulatory requirements and other factors, and put forward the final examination and approval opinions. , which was conducted after June 5438+1 October1(inclusive) through negotiation between the borrower and the lender. If the borrower has overdue records for more than 90 consecutive days (inclusive), the Agricultural Bank will not accept its application for interest rate adjustment.