What about lending you 500 thousand to buy a house?

Recently, I believe that everyone has been screened by the following similar news: "The mortgage interest rate has entered the era of bargaining: the trend of 40% increase in half a year has been fixed."

In the past, everyone was talking about rising house prices. Recently, everyone was talking about rising mortgage interest rates (how to pay more for buying a house …). Then, why did the mortgage interest rate rise? According to the Securities Times:

First, the property market regulation policy is still in progress, and second, the current cost of capital is rising. Under the background of rising capital cost, the annualized capital cost of fixed wealth management income including Yu 'ebao is close to 4. 1%. In this case, the benchmark mortgage interest rate of 4.9% is a low-profit product for most banks.

According to industry insiders, at present, commercial banks have substantially raised mortgage interest rates, which is actually a disguised refusal to lend.

In this context, Suning announced yesterday an employee benefit with a total value of 600 million yuan (providing 500,000 housing loans for employees covered by the 1200 project, with interest of only 1.5% and interest-free in the first year), which made others envious.

At present, JD.COM, Didi, Today's Headline, Tencent and other major Internet companies attach great importance to employee welfare, such as building schools for employees' children and providing housing subsidies. All kinds of benefits are colorful and make people cry.

Suning provides employees with 500,000 housing loans, with an annual interest rate of 1.5% and no interest in the first year.

On June 9th, Suning issued a notice on the intranet of the group: notice on starting 1200 employee housing loan, and officially started "1200 employee housing loan project".

It is reported that the so-called "1200 employee housing loan project" refers to Suning's "1200 project", which provides housing loans with a quota of 500,000. The loan period is divided into three years and five years, and employees can choose freely according to their personal repayment ability. The annual interest rate is only 1.5%, and the loan is interest-free in the first year.

We should know that the loan interest on the market is about 4.9% at present, and the consumption loan of financial institutions has reached about 7%.

It is understood that Suning 1200 employees are the talent echelon of fresh graduates. In 2003, Suning started the "1200 Project" and recruited outstanding fresh graduates to work in Suning every year. So far it has reached 15.

For the company's introduction of this policy, some employees of Suning said that they "solved the urgent need" and will register for work next Monday to prepare for a loan to buy a house.

Children of kindergarten employees in JD.COM are admitted free of charge.

JD.COM, a competitor of Suning, also attaches great importance to employee welfare. On June 3rd, Yan Yuelong, the former director of the public relations department of the mall, sent Weibo, saying: Liu announced at the ceremony of commending old employees that he would be an old employee who has worked for more than five years; It not only reimburses medical expenses, but also JD.COM will fully support it if the funds for treatment are insufficient.

On April 12, Liu even announced the official opening of the headquarters kindergarten in today's headline, named "JD". COM Churan Love Child Care Center ". Children of employees in JD.COM can attend school free of charge, and maternal and child products for babies are also free. According to Sina science and technology news:

JD.COM also provides teachers with advanced course training for employees' children. For babies aged 4- 17 months, the teacher-student ratio is 1: 2.5; for babies aged 0/8 to 24 months, the teacher-student ratio is 1: 5. Liu previously said in an interview with the media that everyone has only seen part of the benefits and there are still many things that have not been seen. Liu said that in addition to paying five insurances and one gold to all employees and providing senior dormitories for employees, there are many benefits.

It is understood that in addition to the statutory maternity leave, all female employees in JD.COM also enjoy one month's maternity leave with full pay, and male employees can get an additional seven days of paternity leave.

Today's headlines provide housing subsidies and provide supplementary commercial insurance.

The company lent money to employees to buy houses, and Tencent implemented this policy earlier. Tencent announced in June of 20 1 1 that it would invest 1 billion yuan in three years to provide the first interest-free loan for employees who have worked for three years, with the maximum amount of first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen being 300,000 yuan, which has increased to.

Today's headlines and Didi Chuxing, which have been in the limelight in the past two years, have also played a role in employee welfare.

In 20 16, Zhang Yiming, CEO of Today Headline, announced the news that "the housing allowance for employees of the company (Beijing) rose to 1500 yuan/month" after Today Headline moved into a brand-new office.

Didi Chuxing provides employees with supplementary commercial insurance, and as a taxi software company, they also specifically mentioned the welfare of "overtime taxi reimbursement" in official website.

The employee benefits of domestic Internet companies often learn from Silicon Valley in the United States.

In fact, the employee benefits of many Internet companies in China are borrowed from the United States, and yoga classrooms and gyms are standard for Silicon Valley technology companies.

In terms of generous benefits for employees, the most famous one is "Post-death benefits" launched by Google in 20 12. After the accidental death of a Google employee, his spouse can continue to receive 50% of the deceased employee's salary within 10 years, and all 34,000 employees in Google (note: the number of employees at that time) can enjoy this treatment.

Cheng Zhiming, a professor at the Business School of Nanjing University and a management expert, believes that the actual cashing rate of Google's new benefits will not be very high. Nevertheless, it has a great psychological effect on employees, which can invisibly improve employees' goodwill and loyalty to the company, help retain talents, and reduce and adjust labor disputes between employees and the company.

According to The Economist, they do this because they want their employees to work harder. In this way, employees don't have to worry about eating, dressing and traveling, and the time saved can better work for the company.

As Gerald Lyford of the Southern California Business School said, those technology companies use "golden handcuffs" to tie employees and jobs together. In fact, after careful study, many benefits are illusory: "indefinite vacation" means "taking as few vacations as possible, and it takes courage to take an extra day off." ...

Good welfare is to keep employees.