Ask: Current, room of pattern of each the various individuation that the commercial bank rolls out, formula borrows home to be tasted newly emerge in endlessly. The room that each commercial bank rolls out borrows a product to still have the favourable policy that includes the many sided such as number, deadline, charge, interest rate to differ. What do these favourable policy include? In the ability below what circumstance does ordinary common people apply these favourable policy to the bank?
Gentleman of Shanghai reader a surname answers: Although at present room of each commercial bank borrows the favourable policy of the product to differ somewhat, but basically include the following kinds:
1, high grade client can enjoy interest rate privilege favourable interest rate, the devotion that scale of interest rate floating can combine a client is spent, faithfulness is spent, the element such as risk state considers integratedly, according to the relevant provision of the Central Bank, can leave surplus at most at present 15 ％ .
2, the expenditure that deadline lengthens high grade client to mortgage with estate application is not used circularly spends loan and press lunar reimbursement, loan is restricted the most for a long time to be able to be lengthened to 10 years; With estate mortgage application individual aids course of study to borrow money and press lunar reimbursement, the longest time can be lengthened to 5 years.
3, rise to apply for loan to mortgaging with individual estate into number, it is below the circumstance that masters adequately to ability of pawn value and client reimbursement, loan can rise appropriately into number, highest the regulation that does not exceed a head office.
4, derate shifts to an earlier date reimbursement penalty due to breach of contract shifts to an earlier date by relevant provision derate to high grade client reimbursement penalty due to breach of contract.
5, the charge with charge favourable privilege includes derate the belongings of high grade client assesses fee. The bank can assure with insurance company or housing buy course of study the company talks things over, offer insurance premium or the discount privilege that carry insurance cost. The notarization of business of credit of individual of high grade client expends derate.
Want to obtain a room to borrow favourable policy to be maintained to be high grade client by the bank, the most crucial is, the financial condition degree that the person that need borrows money proves he is reliable to bank respect through all sorts of data, steady reimbursement source.
Current, the gold that each commercial bank borrows the client that write down card to owe a record without exceed the time limit blocks a client; Average check client is used continuously borrow the fixed number of year that write down card more than 2 years, use frequency is taller, and owe a record without exceed the time limit, evaluate integratedly via the commercial bank, can be maintained to be high grade client commonly. Already handled individual housing loan and consumptive loan client in the commercial bank, reimbursement amount exceeds the 50 ％ of loan principal, or reimbursement deadline exceeds 3 years, and the housing loan client that owes a record without exceed the time limit, when dealing with new housing to borrow money, general also meeting is maintained to be high grade client by the commercial bank.
Previous12 Next

Previous:Choose a room to lend fixed interest rate loan is the most appropriate
Next：The Spring Festival is bought secondhand the room is necessary secret book