Tianjin Bank is not loose buckle

Although the city's real estate transactions since August began to shake up, but according to reporters understand that the city's banks, the housing policy is still relatively strict, some banks have canceled the first set of mortgage 70 percent interest rate concessions, and the other banks are mostly only for VIP customers to give such concessions. For the second suite, banks still have to rely on their own investigation, and for the third set of mortgages, because the interest rate is mostly floating comprised to 20%, many people simply choose to pay the full money.　　In some banks, if the public accepts a "cross-selling" approach, they may sometimes get interest rates when they buy other financial products from banks while applying for a mortgage. 70 percent mortgages to VIP "there is no regulation that says it wants to cancel the 70 percent interest rate on the first mortgage, so we can still give you a minimum of 70 percent of the loan rate." "In the interview, the city's number of bank loan department people said.　　But according to the reporter understands, these still can give the 70 percent mortgage rate bank, the preferential target mostly only is the bank's VIP customer. A number of joint-stock bankers, such as bank and Pudong, said the bank would still offer a 70 percent interest rate for the first mortgage, but only for private banking clients or VIP clients, whereas for ordinary customers, banks would offer only 80 percent or 85 percent of interest rates.　　ABC's first home loan can also give a minimum of 70 percent interest rate, but only for the head office of real estate quality customers, the average customer first set of home loans can be given a minimum of 75 percent interest rates. Only CCB a branch network of the relevant people clearly said, in the bank for the first set of mortgages, as long as a down payment of more than 40%, the rate can be a minimum of 70 percent dozen.　　When asked if ordinary customers can also receive such a discount, the staff replied: "Yes." In some banks, the 70 percent interest rate on the first mortgage has been canceled. For example, ICBC's first mortgage policy stipulates that less than 30% of the down payment, the interest rate is up to 85 percent, the down payment is higher than 30% (including 30%), the interest rate is generally not less than 0.8 times times the benchmark rate, for Low-risk customers, the interest rate is not less than 0.75 times times the benchmark rate.　　A joint-stock bank also said that the bank for ordinary customers can only give 85 percent interest rate, for some of the best customer interest rates can be 80 percent. Two sets of determination still rely on the investigation is understood, at the beginning of July, the city's banks have been notified by the regulatory authorities, asking "both to recognize housing and credit", then the banking sector began to coordinate with the housekeeping department to discuss specific implementation measures.　　But until yesterday, the city's bankers said that "recognize the housing and credit", and now rely on the banks themselves to investigate. A state-owned banker told reporters that the bank would apply for a home loan to the people who applied for housing loans, that is, go to the people's home to visit the site, to see their hukou, the existing residential Fang Ben, and so on, to determine whether the public's existing housing is not his family's private property.　　If you are living in your own private maternity ward, then the next purchase will be the second set of housing.　　Bankers also told reporters that cooperation between banks and housing authorities is expected to make progress before the end of this year.　　Buy three suites and pay the full amountFor the third and above housing loans, the relevant departments require the first payment ratio of loans and loan interest rates should be significantly increased according to risk management principles.　　At present, the city has announced a number of banks to suspend the issuance of third sets of housing loans, and the rest of the bank to deal with this business, basic also require a down payment of more than 60%, the loan interest rate on the basis of the base rate of 15% to 20%, or even 50%. "Interest rates are up 20%, and for customers, the extra interest is not a small amount," he said. "A joint-stock Bank loan ministry person said. To a sum of 600,000 yuan, the period of 20 years, with equal interest in the repayment of housing loans as an example, if the loan rate is 5.94% of the base rate, the monthly repayment of 4277.84 yuan, the total amount of interest should also be 426682.49 yuan; if the loan interest rate is a benchmark interest rate floating 20% or 7.128%　　The monthly repayment of 4698.00 yuan, the total amount of interest should be 527521.08 yuan, monthly repayment of more than 420.16 yuan, a total of more than 100838.59 yuan interest. "Now buy a third set of housing, can not handle Provident fund loans, and if the entire purchase, developers will give Party concessions." "So many people who buy a third house have opted to pay the full amount," the person said.　　"Cross-selling" offers in the interview, several bankers referred to the "cross-selling" approach, saying that if the public to apply for a mortgage, while the purchase of other banks of financial products, it is expected to get more favorable mortgage rates. "We now have 80 percent to 85 percent interest rates for people who apply for first mortgages," a joint-stock banker told reporters, "but if the client runs our telephone banking and online banking business at the same time, the discount on mortgage rates can be negotiated." Sometimes we give a 75 percent loan rate. Another banker also said that some citizens were not clients of the bank when they came to apply for a mortgage, but when the banks reviewed the mortgage, they found that the assets of these people were in good condition and could be developed into VIP clients.　　To become a VIP customer, the public can enjoy more mortgage rate concessions.　　But some people are disgusted with the way banks run their mortgage-matching funds and financial products. News reporter Wang Ting had