Recently, many banks in Shanghai launched a loan measures for multiple sets of houses in Shanghai become a hotspot reported by the media. However, according to the reporter, because most banks only limit the multi-set loans of the bank, in addition, the limited measures are difficult to truly fall into practice.
Workaround: At the same time, apply for loans to different banks, do not have to worry about the problem of reduction in loans and over interest rates; use spouses, children's name to loans, can avoid restrictions
Cause: The loan interest rate is floating; but the upper sauno will make customers choose other banks, resulting in the loss of commercial bank customers, so banks are basically not implemented.
The vulnerability is that the inter-banks are not shared; to understand if the customer has loan the purchase of the house only through the personal credit record provided by the company, but because the time of credit record is lagging behind, a borrower is borrowed in many banks, and it is often one or two. After the month, when you start repayment, it is possible to reflect in the credit record.
The reason why the bank is placed: many loans, as long as normal repayment, generally become a bank's quality customers, the bank will give it better services and a variety of benefits, this is the practice of international financial community, for these people Limit, there may be a regular basis.
Harm: my country's personal mortgage interest rate is currently the best, the purpose is to help more people improve housing conditions as soon as possible, if a large investment in the preferential loan resources, the high price is bound to affect the interests of most self-employed buyers.
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Analysis: 1) Key: The country's mortgage interest rate is favorable; so we can fully enjoy this offer, not exceeding the amount, can adopt a number of bank loans and use relaxes in the name of relatives to increase their own preferential quota;
2) For banks, as long as you can pay attention to money, you are a quality customer, which is a high-quality earning channel, there is no reason to refuse;
3) Does the country subsidized for banks? There should be no money to make less;
4) The loss is the country, small investors use the discount loans to increase their speed of the snowball; the bank has also spurred a piece from small investors.
