How to inquire about bank mortgage loans: Hot topics and structured guides on the Internet in the past 10 days
Recently, adjustments to mortgage policies and interest rate changes have become hot topics, and many home buyers are concerned about how to efficiently consult banks on mortgage business. This article will combine the hot discussions across the Internet in the past 10 days to provide you with a structured guide to help you quickly obtain key information.
1. Hot topics related to mortgage loans in the past 10 days
| Ranking | hot topics | Discuss the popularity index | main focus |
|---|---|---|---|
| 1 | Will the "3 Era" of mortgage interest rates continue? | 92,000 | First-time interest rates dropped to 3.1%-3.8% in many places |
| 2 | The wave of early loan repayments reappears | 78,000 | Liquidated damages calculation and reservation queue |
| 3 | The policy of "Recognize a house but not a loan" is implemented | 65,000 | Lower threshold for improvement housing loans |
| 4 | Existing mortgage interest rate adjustment | 53,000 | Analysis of the pros and cons of switching to LPR pricing |
2. Comparison of the five core channels for bank mortgage consultation
| channel | Response speed | Professionalism | Materials required | Suitable for the crowd |
|---|---|---|---|---|
| Offline outlets | 1-3 working days | ★★★★★ | Original ID card/income certificate, etc. | Middle-aged and elderly/large loan borrowers |
| Mobile Banking APP | Instant smart reply | ★★★☆☆ | Electronic version of materials | young group |
| Customer service hotline | 10-30 minutes | ★★★★☆ | Basic information dictation | emergency consultant |
| Official website online customer service | 5-15 minutes | ★★★☆☆ | File upload function | office workers |
| WeChat public account | 1-2 hours | ★★☆☆☆ | Simple questions and answers | Beginners to understand |
3. List of 6 key questions for efficient consultation
According to the latest policy changes, it is recommended to focus on the following issues during consultation:
1.Current execution interest rate: Confirm whether to enjoy the first home discount, the difference between fixed interest rate and LPR floating interest rate
2.Loan ratio limit: Proportional relationship between second-hand house appraisal price and transaction price
3.Early repayment policy: Liquidated damages charging standards (recently adjusted by many banks to less than 1%)
4.Loan cycle: The current average loan time has been shortened to 2-4 weeks
5.Portfolio Loan Limitations: Ratio requirements between provident fund and commercial loans
6.Overdue processing: Latest grace period policy and credit impact
4. Featured services of mainstream bank mortgage loans in 2023
| bank | Interest rate advantage | Special services | Online pre-trial time limit |
|---|---|---|---|
| China Construction Bank | Starting from 3.45% for the first set | "Quick Loan" Green Channel | 2 hours feedback |
| ICBC | Starting from 4.15% for second set | Smart adjustment of repayment plan | 4 hours feedback |
| China Merchants Bank | Starting from 3.2% for high-quality customers | AI video interview | 1 hour feedback |
| postal savings | Starting from 3.3% in counties | Special support for farmers to purchase houses | 6 hours feedback |
5. Things to note
1.Material preparation: Recently, banks generally require more than 6 months of complete salary statements and no longer accept proof of income as a substitute.
2.Credit inquiry: It is recommended to obtain your personal credit report for free through the official website of the People's Bank of China, which can be checked twice a month.
3.Policy timeliness: Some urban regional policies (such as housing purchase subsidies for talents) may be used in conjunction with bank policies.
4.Intermediary cooperation: You may get preferential rates by choosing a developer’s cooperative bank, but you need to pay attention to the risks of bundling sales.
Mastering this structured information and choosing appropriate consulting channels based on your own situation will significantly improve the efficiency of mortgage processing. It is recommended to obtain the latest policies through the bank's official APP first, and make an appointment with an offline account manager for in-depth communication on complex issues.
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