China Construction Bank deposit and loan channel value-added account

China Construction Bank launches "deposit and loan" value-added accounts

The minimum deposit is RMB 50 thousand. A mortgagor can withdraw and repay a loan if one account can be used.

[Report from our correspondent] (Shenzhen Business Daily reporter Liang Huiyuan Li) recently, the mortgage interest rate has been raised twice. Any mortgage client who has a certain amount of money wants to pay back some loans in advance, but inevitably has such a conflicting mentality-want to repay the loan in advance

I was worried that the Bank would not be able to get the money back in case of an emergency. But I was not at ease when I saved the money. Isn't it equal to paying the loan interest if I had the money? But now you don't have to worry about it!

 

The reporter learned from CCB's Shenzhen Branch that from now on, the Bank has launched a new value-added account, "deposit and loan. The emergence of this new type of account has solved the "Dilemma" for the mortgage customers that the fish and the bear's paw cannot both have. It has truly implemented the function of "Reducing loans and moving deposits.

According to reports, customers who apply for various personal loans at CCB can apply to open a "deposit and loan" value-added account, which is associated with the specified loan account applied by the borrower at CCB. After the account is opened, the public can deposit the money from their current account into the "value-added account". According to the Rules and proportions agreed with the Bank in advance, the money will be considered as a loan repayment in advance, the more balance your account has, the higher the amount of credit you have deducted.

However, the bank does not actually deduct the money from the account. When the customer needs to use the money, he can also enjoy the convenience of the current deposit account and use the funds in the account at any time. In this way, savings and deposits can be used more flexibly and easily, and the multi-function functions of deposit, withdrawal, and loan repayment can be realized.

The minimum deposit amount of the value-added account of China Construction Bank is set to 50 thousand yuan, that is, only the amount above 50 thousand yuan is considered as prepayment. It should be noted that the excess part is not used to return the full amount of the mortgage, but is calculated based on a certain proportion.

For example, customer Mr. Liu recently handled a personal housing loan of 0.6 million for 30 years in China Construction Bank. In July 15, if Mr. Liu's value-added account balance was 0.1 million yuan, then 25 thousand yuan was considered as an early return of the loan, the remaining RMB 75 thousand is calculated based on current deposits. However, the amount he can extract is not affected, and he can still withdraw 0.1 million yuan in cash, so that he can save the loan interest expenses of 3.82 yuan (25000 × 5.508%/360) on the same day ). For example, if Mr. Liu's deposit balance in a value-added account is July 19 yuan in 0.48 million, 0.243 million yuan in a value-added account may be considered as prepayment, saving loan interest expenses by 34.29 RMB (243000 × 5.508%/360)

In the interview, the reporter also learned that in value-added accounts, the interest saved by prepayment is not directly deducted from the interest payable, but is reflected by "value-added income. The bank will calculate a certain value-added benefit for the borrower according to the agreed conditions and calculation rules based on the daily deposit balance at the end of the business of the borrower, the value-added benefits will be directly credited to the customer's repayment account. It is up to the customer to decide whether to pay for the loan or continue the deposit. In this way, the customer can not only receive the current deposit interest paid by the bank according to the People's Bank of China on the current deposit settlement day, but also the next day after the last day of each month or the relationship between value-added accounts is lifted, the value-added income except the interest on current deposits is obtained.

However, China Construction Bank has repeatedly stressed that the value-added account for "deposit and loan" must also be provided by normal users of China Construction Bank. customers who have overdue payments will not be able to pay off the account.