1, Bank of Communications
Best 15% discount
Conditions: Bank of Communications ward card, mobile banking, financial management 50,000.
2. Bank of Beijing
Best 15% discount
Conditions: the credit investigation is not overdue, and any of the following conditions are met at the same time: it has been insured for 1 0,000 for 3 years; Handle 65438+ million credit loans; 5% deposit a year.
3. China Merchants Bank
Best 10% discount
Conditions: 15% deposit for one year;
15% discount: 5% deposit for one year.
4. HSBC
Discount over 2 million yuan 10%, discount under 2 million yuan 94%.
Conditions: The first set of identification criteria for ordinary housing (excluding affordable housing): the borrower has no house or a house under his name, and there is no outstanding mortgage record under his name, which can be identified as the first set of loans. If there are two houses in the name, which is consistent with the original implementation policy, the loan amount is more than 2 million, and the interest rate is still 10% discount.
5. Postal Savings Bank
Best 10% discount
Conditions: the customer is not overdue, and at the same time, he meets any one of the following 15% discount: buy 50,000 wealth management; Insurance (1 10,000/year/period for 3 consecutive years); Apply for a credit loan of 654.38 million yuan; Pay a deposit of 5% of the loan amount.
10% interest rate condition: if the borrower's unit is a high-quality unit (state-owned enterprises, institutions, civil servants, listed companies, top 500 enterprises, etc.). ), not overdue, and meet any of the following conditions: purchase 654.38+ million wealth management; Insurance (6000/ year/period, 5 consecutive years); Apply for a credit loan of 6,543,800+0.5 million; Pay down payment of 65438+ 00% of the loan amount. A 10% discount can be implemented.
6. Agricultural Bank
15% discount on the first set
Conditions: flowing water is close to income.
7. Shanghai Pudong Development Bank
15% discount
10% discount for customers who do fund supervision in Shanghai Pudong Development Bank.
Conditions: If there is no housing loan record under the name or there is no house under the name of the settled loan, the first loan policy will be implemented. Families who own a house and have settled the corresponding loan can borrow again to buy a house in order to improve their living conditions, and can refer to the implementation of the first home loan policy. The interest rate of the first home loan is 15% off, and the customers who do fund supervision in Shanghai Pudong Development Bank are 10% off.
8. China Construction Bank
No adjustment will be made according to the current standard interest rate of CCB.
Policy:
1. If there is no housing loan record or there is no house under the name of the settled loan, the first loan policy will be implemented.
2. For families who own a house and have settled the corresponding loans, in order to improve their living conditions, if they borrow again to buy a house, refer to the implementation of the first loan policy.
3. Families who have houses but have not settled the corresponding loans apply for loans to buy houses. The minimum down payment ratio is 60%, and the lower interest rate is 1. 1 times the benchmark interest rate of the central bank loan.
4. Article 5 is inconsistent with Beijing's housing loan policy.
5. If the foreign household registration has no housing loan record in Beijing, or the loan has been settled, and there is no housing in Beijing, apply for a loan to purchase the first home loan, with the first interest rate benchmark and the second home floating 10%.