The bank grabbed the building and returned a cash return of 2.1%. The optimistic about the property market was reduced by the individual interest rate of 0.01%.

Recently, the property price has fallen, the bank’s confidence in the property market has rebounded, and further resources have been added to seize the property market. Many banks have simultaneously raised cash rebates to a historical high of 2.1% of the loan amount. At the same time, large banks have slightly lowered the H interest rate. 0.01% rush.

Xiaoyangchun appeared in the property market last month. First, the second-hand property market has obviously turned strong. Large banks have increased the amount of cash rebates to seize the market according to the market. It is understood that in January, a large bank raised the cash rebate from 1.95% to 2.07%. Individual banks offered an additional 2,000 yuan for the first-hand buyers, and raised the cash rebate to 2.1% in disguise.

However, after the Lunar New Year, one of the major banks decided to raise the cash rebate directly from 2.07% to 2.1%, which is higher than the rebate in January. However, there are time restrictions on related offers, and home buyers need to implement lending before the end of this month.

The industry believes that due to the impact of the Lunar New Year holiday in February, the working hours of bank employees have decreased, and banks have been rewarding cash for customers.

After the Spring Festival 5 Bank upgrades

Secondly, another local Chinese bank, after the Lunar New Year, also raised the cash rebate from 1.95% in January to 2.1%, which is in line with the large banks, but the loan amount must be more than 8 million yuan, which is obviously aimed at attracting quality customers. It is reported that five banks have raised their cash rebates to 2.1% after the Lunar New Year. However, the source of different bank concessions is slightly different. Individual banks mainly attract new buyers, while banks have second-hand customers. .

In addition, in addition to raising the cash rebate, in addition to the mortgage interest rate, banks have begun to gradually expand the concessions, cut interest rates and rush. For example, a medium-sized bank has just lowered the interest rate of H to 0.01%, and H has been reduced from the previous period’s full period of H plus 1.24% to the full period of H plus 1.23%, based on yesterday’s one-month interbank interest rate of 1.06 per cent. The interest rate of the flats was lowered from the original 2.3% to 2.29%, which was 0.085% lower than the P at a real interest rate of 2.375%.

However, it is pointed out that the relevant offers are only for large loans with a loan amount of 10 million yuan or more. Small and medium-sized residential buyers have not benefited from the loan for the time being, and the cash rebate is only 2.07% of the loan amount.

It is understood that there is another large bank in the market. After the Lunar New Year, the interest rate of H is also slightly lowered. From the original H plus 1.24%, to the full period H plus 1.235% (substantial mortgage interest rate is 2.295%), and With a loan amount of more than 3 million yuan, you can apply for it, and provide up to 2.1% cash rebate, which is considered to be the most attractive mortgage option.

Before the mortgage is selected, it must be fully valued.

Real estate agents familiar with mortgages pointed out that the recent changes in the property market atmosphere, the pace of interest rate hikes in the United States has slowed down, and local banks have relatively positive prospects for the property market, so they have increased resources to seize the market according to the market. However, he stressed that the monthly interest rate reduction of 0.01% per 1 million yuan is less than 10 yuan. The home buyers should pay more attention to the bank valuation. Since the property price dropped at the end of last year, the property price has rebounded slightly, not necessarily the valuation of all banks. Follow the market trend, you must do the valuation work before entering the market, and then consider the use of mortgage offers.