Hidden rule 1: the highest price wins.
However, even if the bank promised to lend at the agreed preferential interest rate, many lenders were still there. Unlimited? Wait a minute. When the loan amount becomes scarce, if it is still issued according to the original preferential discount, the profit margin will be compressed and banks can only choose floating interest rates. At the same time, when granting loans, the limited amount often gives priority to the projects that guarantee the loan income, that is, the highest price gets it, and others can only wait in line.
Unspoken Rule 2: Bundle Sales
Under the background of tight monetary policy, the pressure on banks to absorb deposits and intermediary business has increased. In order to cope with the pressure of Dora customers' profit assessment, some banks violate the rules in mortgage sales, such as promising preferential charges, bundling other products or collecting deposits. Want a 15% discount? Yes, but you must buy wealth management products or fund products launched by banks, ranging from tens of thousands to hundreds of thousands. What is the charge for this bundle? Hidden rules? It is not uncommon in commercial banks.
In this regard, the China Banking Regulatory Commission (CBRC) recently put forward a request: severely investigate and deal with illegal acts such as bundling, arbitrary charges and false promises in the personal mortgage loan business of banks. If you encounter the unspoken rules of mortgage tying, you may wish to sign a contract first, then lend money, complain to the CBRC with evidence, and expose the bank. Evil deeds? And ask for a refund.
Unspoken Rule 3: Different real estate interest rates are different.
The preferential interest rate of buying a house depends not only on which suite you bought, but also on which developer's house you bought. The mortgage manager of a state-owned bank exposed the mortgage interest rate pricing? Hidden rules? For the same loan to buy the first suite and choose different properties, the interest rate may also differ by 15%.
Unspoken rule 4:? Blank contract?
Blank contract has become an industry formed by banks in recent years? Hidden rules? . The bank account manager verbally promised the lender preferential interest rate and signed a blank with the lender. The same loan book? The above only indicates that the bank agrees to the lender's loan, but does not indicate the specific interest rate and loan time. Under the change of policy, these previously agreed discounts instantly became a bubble.
After all, once the bank policy changes, this blank contract has no legal effect and the lender cannot trace it back. Even though the CBRC and local banking regulatory bureaus strictly require banks to issue loans according to the agreed commitments, people close to the department revealed that in the absence of evidence, banks can only be morally required to fulfill their commitments for the sake of reputation.
Lawyers remind consumers that when signing a loan contract, if it is blank, let the bank write down the promise of loan interest rate and keep the evidence.