Multi-local first home loan recurrence discount rate minimum 8% off2018-12-26 20:25:22 109 ℃
The mortgage interest rate is down, and the first home loan repayment discount. According to the statistics of the market research institute Ronghui 360 on December 24, including Shanghai, Guangzhou, Chengdu, Chongqing and many other places, the minimum first-home loan interest rate offered by some banks has been lower than the benchmark interest rate (more than five years) 4.9%).
The lowest mortgage interest rate is currently provided by HSBC and is only available to quality customers in Chongqing. The 360 monitoring data shows that HSBC has a minimum interest rate of 4.02% for the first-home loan of Chongqing's high-quality customers, which is equivalent to a 42% discount on the benchmark interest rate. The common first-home loan approval rate is 4.66%, which is 5% of the benchmark interest rate. .
In addition, in Chongqing, the minimum first-home loan interest rate offered by Postal Savings Bank, Sino-German Bank and Zheshang Bank is 4.41%, which is equivalent to a 10% discount on the benchmark interest rate.
Shanghai Mortgage Interest Rate Survey: 10% off for quality customers
In Shanghai, ICBC, ABC, BOC, CCB and Bank of Communications have benchmarks for the first-home personal loan interest rate. The interest rate (4.9%) is a discount of 5% off, which is 4.655%. However, each bank has slightly different requirements.
The ICBC Account Manager said that this discount was only implemented in the near future, and it is hard to say whether it will be implemented later. "Our interest rate will not last until next year. If you are looking at the house recently, you will be able to sign up next year (January 1, 2019). You don't have to have this discount at the time."
Building The bank also gave a discount of 5% off. For the duration, the account manager said that there will be no change for a long time. The customer manager of a branch of Shanghai Construction Bank said that it was a 10% discount in September, but it has been raised to 5%.
The account manager of a branch of Bank of China said that they should review the creditor’s credit qualifications, work status, price of the purchased home, geographic location, and age of the house. Give a discount of 5% off.
The Bank of Communications account manager said that for first-hand houses, certain banks designated by the developer can have discounts, while for second-hand houses, Bank of Communications has specialized agencies, such as chain homes, through these intermediary transactions. , you can get a 5% discount on interest rates.
Agricultural banks have a relatively large discount. According to reports, ABC can give a 10% discount to “quality customers”, that is, the first-home loan interest rate is 4.41%. Quality customers refer to customers with good credit history records and stable work and income sources. "The main thing is to look at your career situation and family situation, specifically to the personal loan center for review." A customer manager of a branch of Shanghai Agricultural Bank said.
The stock line partially rose more than 10%, some suspended personal loans, and some banks have discounts.
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