First, the loan interest rate is high, giving priority to loans to buy a house.
When the loan amount becomes scarce, if loans are still issued at the original preferential discount, the profit margin of banks will be greatly reduced, and banks can only choose floating interest rates to make profits. When issuing mortgage loans, the limited amount often gives priority to projects with high loan interest rates, and others can only wait in line.
Second, the more additional conditions you accept, the better the loan.
15% discount for buying a house? Yes, you must buy wealth management products or fund products launched by banks, ranging from tens of thousands to hundreds of thousands. Whoever is willing to accept the conditions of buying some wealth management products will give priority to lending; Some customers don't want to match the products, so they will be asked to raise interest rates.
Third, different real estate interest rates are different.
The same loan to buy the first suite, choose different properties, the loan interest rate may also be different 15%.
Fourth, beware of blank housing contracts.
If the loan contract is blank, let the bank write down the commitment of the loan interest rate and keep the evidence. Otherwise, the bank policy has changed, and these previously agreed concessions have instantly become a bubble.
Fifth, provident fund loans to buy a house are discriminated against.
Provident fund loans to buy a house are discriminated against for the following reasons:
1, the qualification of the developer.
Whether the real estate can use the housing provident fund loan depends on whether the developer's qualifications are complete and whether it has signed an agreement with the municipal provident fund management department to apply for cooperation.
2. Before the developer went to the provident fund center, the cooperation agreement process was complicated.
After going through many procedures, developers need to prepare some materials to declare to the provident fund management department if they want to enjoy provident fund loans for their commercial housing projects.
3, provident fund loans to buy a house to withdraw funds slowly.
It takes a long time to approve the purchase of a house with provident fund loans, the procedures are relatively complicated, and the withdrawal of funds is relatively slow. Developers prefer to pay the full amount or use commercial loans.
The property market is in good condition, and both banks and developers are mutually beneficial.
Even if the provident fund loan is refused to buy a house, the developer will not worry that the house will not be sold. Real estate development and transactions need a lot of money. An important condition for many banks to agree to lend is to let developers help banks borrow money to buy customers, and salespeople also have "task indicators". Because of "pressure" and "motivation", developers, real estate agents and sales staff are actively promoting commercial loans to property buyers.
6. Banks "don't like" portfolio loans to buy houses.
Buying a house with a portfolio loan involves two institutions: banks and provident fund management centers. The procedures are complicated, and the application period of provident fund loans for buying a house is relatively long. It takes a long time, manpower and material resources for banks to handle portfolio loans to buy houses.
Seven, early repayment to pay a "fine"
The first year of applying for a loan to buy a house is the time when the interest is the highest. The bank invested human and material resources in this loan and will get the money back in the first year. Therefore, banks want to try to prevent borrowers from repaying loans in advance during this period and charge as much interest as possible.
(The above answers were published on 20 17-03-02. Please refer to the current actual purchase policy. )
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