What are the new policies of the four major banks in 2015?

New bank loan policies in 2015:

50% down payment for first and second homes is the dominant requirement

According to the announcement issued by the central bank, for those who own one house and purchase accordingly Residential households whose loans have not yet been paid off apply for commercial personal housing loans to purchase ordinary owner-occupied houses again in order to improve their living conditions. The minimum down payment ratio is reduced from the original no less than 60% to no less than 40%. However, the central bank emphasized in its announcement that the specific down payment ratio and interest rate for commercial loans are reasonably determined by banking financial institutions based on the borrower's credit status and repayment ability.

As soon as the New Deal was introduced, many commercial banks immediately made commitments to strictly comply with the requirements of the New Deal and adjust the minimum down payment ratio to no less than 40%. However, in the specific implementation process, 50% of the down payment ratio for second home loans is the mainstream in Beijing. According to the relevant person in charge of the loan service agency Weijia Anjie, most banks in Beijing currently implement a 50% standard for the down payment ratio of second homes, and the interest rate is still 10% higher than the benchmark interest rate. Yesterday, account managers at Hua Xia Bank, Postal Savings Bank, Hangzhou Bank and other bank outlets on Jianguomen Nei Street all said that the minimum down payment ratio for a second home is 50%. Among the four major state-owned banks, ICBC has adjusted the minimum down payment ratio for a second home to 50%. However, a relevant person from Bank of China Anzhenqiao Branch said: "The down payment ratio for a second home at Bank of China is 70%." "The minimum down payment for a second home is 60%. % to 70%" was introduced by the central bank in April 2013 when Beijing's property market tightened controls.

However, there are exceptions. China Merchants Bank stated that the current minimum down payment ratio for a second home is no less than 40%, and the interest rate is 1.1 times the benchmark interest rate.

2. The bottom line of interest rate discount is 8.2% off

It is understood that the current mainstream interest rate for first-time buyers in Beijing is still 10% off the benchmark interest rate, not the 8.2% discount reported online. At the North Third Ring Road Branch of China Merchants Bank located in Building D of the Global Trade Center, relevant staff said that the preferential interest rate for commercial loans for individuals purchasing their first homes can be as high as 10% off. According to staff at Postal Savings Bank outlets, the interest rate for personal housing and commercial loans for first-time buyers is generally 10% off the base interest rate. However, account managers from a handful of commercial banks such as Hua Xia Bank said that the interest rate for first-time buyers can be discounted to 8.2% off the benchmark interest rate. According to a survey, it was found that the 8.2% discount interest rate is almost the preferential bottom line of the current first-time home purchase interest rate of commercial banks in Beijing.

Compared with the lack of discounts when the real estate market tightened in the past, now it can reach 12% off the benchmark interest rate, and the discounts that first-time home buyers can enjoy are very considerable.

3. Those who invest less than 10 million yuan in Shanghai can enjoy the treatment of first-time home owners

It is understood that the Shanghai branch of a major state-owned bank has further relaxed its housing loan policy. For second-home customers, as long as the loan for the previous home is paid off, as long as the second purchase is not a villa and the total price is less than 10 million yuan, it can be regarded as the first home and enjoy first-home benefits.

Relevant people said that Shanghai’s approach is not a relaxation of policy. As early as September 30 last year, the central bank and the China Banking Regulatory Commission jointly issued the "Notice on Further Improving Housing Financial Services". The document has relaxed the identification of second homes. Those who own one home and have paid off the corresponding home purchase loan Families that apply for another loan to purchase ordinary commercial housing in order to improve their living conditions should enjoy the bank's first home loan policy. This time, the Shanghai bank just relaxed the definition of "ordinary housing".