1. What bank in Beijing still offers preferential loans for the first home mortgage?

At present, China Construction Bank, Bank of Communications, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank and Huaxia Bank in Beijing will enjoy a 15% discount. Among them, the mainstream discount of ICBC is 1%.

second, which banks still offer preferential loans at present?

which bank has preferential housing loans now? With the continuous control of the property market, banks have also raised the interest rate of housing loans in an all-round way. At present, hot cities are entering the era of low discount or even zero discount on housing loans in an all-round way.

According to statistics, as of July 24th, ICBC, China Recruitment Bank, China Construction Bank, Agricultural Bank of China, Bank of Communications and Dredger Bank cancelled the discount on housing loan interest rates for the first time, and implemented the benchmark interest rate, and the interest rates of the first home loans of Industrial Bank and Minsheng Bank increased by 1%. Nanyang Bank, China CITIC Bank, Ping An Bank and Shanghai Pudong Development Bank have suspended their housing loan business.

Interest concessions have been completely cancelled in Chongqing. Among the 1 key banks, only Chongqing Rural Commercial Bank, China CITIC Bank and Industrial and Commercial Bank have implemented standard interest rates, and all others have implemented floating interest rates. Among them, China Bank has risen by 5%, while China Merchants Bank, Bank of Communications and Shanghai Pudong Development Bank have risen by 5% to 1%. China Construction Bank, Agricultural Bank and Chongqing Bank rose by 1%.

In Hefei, 14 banks including ICBC, China Recruitment Bank, Agricultural Bank of China, Bank of China and China Construction Bank all resumed their benchmark interest rates on housing loans, while Optical Bank increased by 5%, while China CITIC Bank and Shanghai Pudong Development Bank stopped lending. Among the two suites, the interest rates of the two suites of Optical Bank increased by 2%.

According to data in Suzhou, After adjustment, the four major banks, including industry, agriculture, China and China Construction, set the interest rate as 1.5 times (including the benchmark interest rate) for the first set of newly accepted personal housing loans, and some commercial banks raised it to 1.15 times the standard interest rate for the second suite. < P > In Xuzhou, the loan interest rates of the first suite and the second suite of China Construction Bank increased by 5% on the benchmark interest rate from July 14th. At present, the interest rate of Bank of Communications has increased by 5% for the first suite, 15% for the second suite, 1% for the first and second suites of Minsheng Bank, and 1% for the first suite of China Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Jiangsu Bank, Shanghai Pudong Development Bank and other banks.

In Wuhan, the interest rate of the first suite of many banks has increased by at least 1%, and the interest rate of the second suite has increased by 25%. The loan time of housing loan has also been greatly extended. Mr. Zhang, a citizen of Wuhan, bought a 1-square-meter house in Baishazhou, and handled a loan of 1.3 million yuan. More than one month has passed, and the loan has not been completed. Mr. Zhang said that he went to the bank several times to urge him, and every business was reviewed. Recently, the management was very tight, the credit line was small, and there were many lists.

The reporter said that if the materials were complete now, the loan for the first home loan would be granted. If it is defective, it will take more than half a year, and the loan time of the second home loan is even more uncertain.

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3. What is the maximum loan for the first home loan portfolio in Beijing?

This problem is complicated ~ According to the age and evaluation price of the house, the loan amount of public housing or commercial housing is different before. Generally, public housing can borrow more, and the maximum loan amount of commercial housing is 1.86 million in the urban area, which seems to be higher in the suburbs ~

There is no difference between the total loan amount of combined loans and commercial loans in theory, except that the maximum loan amount of provident fund loans can only be 1.2 million. The final loan amount also depends on the number of years and the amount of provident fund paid by the purchaser ~

Of course, the final loan amount also depends on the income of the purchaser. According to the bank's assessment, the average monthly income should be more than twice the monthly payment, and the bank thinks that this can ensure the repayment ability.

Fourth, what bank in Beijing still has preferential loans for the first suite?

At present, China Construction Bank, Bank of Communications, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank and Huaxia Bank in Beijing will enjoy a 15% discount. Among them, the mainstream discount of ICBC is 1%.