New housing loan policies of several banks in Beijing
It is almost a month away from the new policy announced by the central bank. During this period, various banks in Beijing have successively introduced relevant specific policies. Let’s take a look. At present, several banks in Beijing have introduced new policies.
1. Construction Bank policies:
(1) If there is no housing loan record or there is no house in the name of the paid-up loan, the first loan policy will be implemented.
(2) Families that own a house and have paid off the corresponding loan take out another loan to purchase a house in order to improve their living conditions. If they take out another loan to purchase a house, the first loan policy shall be followed.
(3) For a family that owns a house but has not paid off the corresponding loan and applies for a loan to purchase a house, the minimum down payment ratio is 60, and the lower limit of the interest rate is 1.1 times the central bank's benchmark loan interest rate.
(4) If a foreigner has no housing loan record when purchasing a house in Beijing, or has already paid off the loan, and does not have a house in Beijing, the loan applied for to purchase a house is the first home loan. The interest rate for the first home is based on the interest rate, and the interest rate for the second home is increased by 10.
(5) The loan interest rate shall be the current interest rate of China Construction Bank;
2. Agricultural Bank of China
50% discount for the first set
Conditions: Turnover is close to income
3. Bank of Communications
The best 50% discount
Conditions: apply for Bank of Communications Ward Card, open mobile banking, buy 50,000 yuan for financial management
4. Bank of Beijing
The best 50% discount
Conditions: No overdue credit report, and at the same time, meet any of the following: Insurance with an insured amount of 10,000 Buy for 3 consecutive years; apply for a credit loan of RMB 100,000; deposit RMB 5 as a deposit for one year
5. HSBC Bank
The best discount is 10% off for RMB 2 million or more, and 94% off for RMB 2 million or less
Conditions: Standards for the identification of the first home of ordinary housing (excluding affordable housing): the borrower does not have a house or has a house in his name, and there is no unpaid mortgage record under his name, it can be recognized as a first home loan. If you have two houses under your name, consistent with the original implementation policy, the interest rate will still be a 10% interest rate discount for loan amounts above 2 million.
6. China Merchants Bank
The best 10% discount, conditions: 15% deposit for one year;
9.5% discount: 5% deposit for one year
7. Postal Savings Bank
The best 10% discount
Conditions: The borrower’s unit is a high-quality unit (state-owned enterprises, public institutions, civil servants, listed companies, 500 Strong enterprises, etc.): no overdue, and at the same time, meet any of the following: buy 100,000 yuan for financial management; insurance (6,000/year/term, for 5 consecutive years); apply for a 150,000 credit loan; pay a 10% deposit for the loan amount. A 10% discount is available.
95% off discount
Conditions: Customers are not overdue, and at the same time, 50% off if they meet any of the following: buy 50,000 yuan for financial management; insurance (10,000 yuan/year/term, for 3 consecutive years ); apply for a credit loan of RMB 100,000; pay a deposit of RMB 5 for the loan amount.
8. Shanghai Pudong Development Bank
50% off discount
Customers doing fund supervision at Shanghai Pudong Development Bank can get a 10% discount
Conditions: Under the name If there is no housing loan record or there is no house in the name of the paid-up loan, the first loan policy will be implemented. Families that own a house and have paid off the corresponding loan and take out another loan to purchase a house to improve their living conditions can refer to the first home loan policy. The first home loan interest rate is 95% off, and customers doing fund supervision at Shanghai Pudong Development Bank are offered a 10% discount.