Yes, many banks have deposit and loan services, similar to what you said. Including ICBC, CCB and Minsheng Bank. The following is an example of China Industrial and Commercial Bank's deposit and loan service:

"Deposit-loan link" is a wealth management product that combines personal loans and deposits of customers, deducts loans with deposits in the same customer's name, and provides them with value-added benefits.

All ICBC personal housing and personal commercial housing loan customers can open a "deposit and loan pass" account. If the deposit in the account reaches a certain amount or more, the loan principal will be deducted in a fixed proportion or by stages, and the loan interest calculated by the deducted amount will be regarded as the value-added income of the customer's interest reduction. It can not only meet the needs of customers to "buy a house", but also maintain the liquidity of customers' funds and obtain "high interest" income, which can be described as "killing three birds with one stone".

I. Deduction Rules of "Deposit and Loan Pass"

Fixed percentage deduction starting point: 50,000 yuan; Deduction rate: 80%.

The second is the object of "deposit and loan".

1. Customers who have applied for personal housing or personal commercial housing loans in ICBC, and the loan balance exceeds 6,543,800 yuan;

2. The loan form in the customer's name is normal, the repayment record is excellent, and there are no consecutive defaults;

3. The remaining repayment period of the loan exceeds 12 months.

Three, "deposit and loan" income example

Example: Mr. Zhang has a housing loan with a balance of 250,000 yuan and a deposit balance of 200,000 yuan. The loan interest rate is 5.8 1%, the deposit interest rate is 0.72%, x=5, y=80%, and the deduction is as follows:

The loan is deducted from the deposit of 200,000 yuan, and the part below the starting point of 50,000 yuan is not deducted. The deduction amount is: 5× 0%+15× 80% =120,000 yuan.

The annual value-added income obtained by Mr. Zhang after using the "deposit-loan link" product is 6886 yuan,120,000× (5.81%-0.72%) = 6886 yuan.

Four, "deposit and loan" approach

I can apply to ICBC loan bank with my ID card and the original loan repayment account. ICBC's business telephone number: 87859 12 1.