That's not true. Financial management and mortgage loan.
Let's see what others say.
2. Is it true that bank loans are needed for financial management and shopping?
Fake. First of all, tying behaviors in bank loans often appear, some of which have become hidden rules, while others are still clear rules. Tying things and expenses are also varied, some tying bank wealth management products, some need partial deposits, and some need insurance and funds. These problems are mainly reflected in housing loans. When he went to a bank to apply for a mortgage, the manager in charge of the mortgage business told him that if he wanted to get the mortgage interest rate discussed earlier, he had to buy an insurance first, otherwise he would not apply for a loan. Second, many additional clauses have been added to the bank loan, which requires you to purchase wealth management and open SMS reminders, and you are forced to purchase wealth management products during the bank loan process. And more is to ask for deposits through loans, especially under the pressure of deposit indicators. At present, the common tying methods are still loan tying wealth management products, insurance and loan deposits. Some banks even require withholding 20% of the loan amount as deposit and interest, which increases the loan interest rate and the capital cost of loan users in disguise. Some loan applicants report that the more acceptable conditions, the easier it is for your loan to pass the examination and approval. If you don't accept the tying behavior, or your loan is difficult to be approved, or it is difficult to lend money, or you are asked to raise the loan interest rate. 3.20/kloc-At the beginning of 0/2, China Banking and Insurance Regulatory Commission, China issued the Notice on Rectifying the Irregular Operation of Banking Financial Institutions, which was called "Seven Prohibitions" and "Four Disclosures" by the industry, among which the credit business was "Seven Prohibitions": loans should not be converted into loans. It is not allowed to forcibly set conditions or negotiate to convert some loans into deposits. There is no linkage between deposit and loan. Deposit shall not be used as a prerequisite for the approval and issuance of loans. Loan charges are not allowed. Customers shall not be required to accept unreasonable intermediary business or other financial services and charge fees. There is no floating interest and cost sharing. Interest shall not be decomposed into expenses, and it is strictly forbidden to raise interest rates in disguise. No loan attached. There are no financial products such as wealth management, insurance and funds. Loans should be bundled for sale. Did not float to the top, did not pass on the cost. Operating costs shall not be passed on to customers in the form of expenses. First of all, after all, banks have the initiative to lend or not. In the current environment, banks are still in an active position in lending. Faced with this unreasonable and irregular behavior, many people choose to cooperate, and few people choose to complain. On the one hand, it is because of the consistent mentality of China people that it is better to do more than less. More importantly, even if the complainant successfully complains, this behavior is not a major illegal act. Under normal circumstances, the CBRC takes informed criticism, economic punishment and administrative punishment, and orders it to make corrections. However, no one, including regulators, has the right to force banks to lend or not to lend to specific targets. In fact, if you complain, your bank loan may not be available. After all, a loan can only be lent for one reason, and there can be 1000 reasons for loan failure. Because many people are worried that their loans will be rejected, they often agree to the unreasonable demands of banks against their will, which leads to repeated tying behavior. Secondly, it is difficult to identify and identify the illegal tying behavior of bank loans, which leads to the inability of the regulatory authorities to deal with whether many tying behaviors of banks are to prevent risks or tying behaviors, and many of them cannot be identified. Some tying wealth management products are easy to identify, but other behaviors are hard to define. Therefore, some tying behaviors have become a gray area of compliance and violation, which is difficult to define. This is also an important reason why many terms are considered by lenders as tying and banks feel aggrieved. After all, many functions of banks are more convenient, more convenient and even more profitable for customers. Many depositors will also be recommended by the staff when opening accounts and making deposits. Therefore, this explanation seems reasonable. 4. After all, bank loans are still a relatively low-cost loan shortage resource at present, so the capital cost of after-sale is still lower than the social financing cost, which makes it easy for lenders to compromise. Of course, you can think that bank staff are under great pressure. Under the pressure of various indicators, it is easy to make various demands on loan customers in order to achieve their tasks and goals. Although mutual benefit is the basis of all business, tying should never be a mutually beneficial means and way. Therefore, from June 8, 2008 to June 8, 2065438, the Insurance Regulatory Commission of the Bank of China and the Central Bank jointly issued the Notice on Improving the Management of Deviation Degree of Deposits in Commercial Banks, which further clarified the "seven prohibitions": 1, and no illegal rebate or withdrawal of deposits; 2. Do not absorb deposits through third-party intermediaries; 3. Delays in payment and deposit are not allowed; 4. Deposits and deposits through loans are not allowed; 5. Do not use loans to invoice and absorb deposits; 6. No reverse deposit through wealth management products; 7. It is not allowed to reverse deposits through inter-bank business. It can be seen that there are still a lot of problems such as tying, taking deposits by loans and so on.
Third, do I have to buy a bank's wealth management products to borrow money to buy a house? I heard that the interest rate will rise if you don't buy it, and the interest rate on loan will be low?
If you borrow money to buy a house, you can negotiate with the bank and try not to buy the bank's wealth management products. This is unnecessary.