Small and medium-sized banks cash back 2.17%
The new market is hot, and the developers continue to push the market. It is reported that small and medium-sized banks have added bonuses after the withdrawal of funds. The disguised rate has raised the highest cash rebate rate to 2.17%, and the focus has been returned to the primary market by HOS.
Despite the uncertainties in the global economy, the US Federal Reserve did not raise interest rates. The property market in Hong Kong was booming. The bank mobilized space on the interest rate of the building. However, the loan status was still positive. This year, it turned to increase cash rebates and other retail products. Add discounts to customers.
Rebate bonus up to 6000 yuan
According to the comprehensive market information, the direct rebate rate that the four major banks can grant is up to 2.1% to 2.12%. Only one small and medium-sized bank with a Chinese background has a maximum return of 2.15%, but it is limited to withdrawing loans before the end of June. The amount is 5 million yuan or more.
At present, the rebate rate of many small and medium-sized banks in the market is as high as 1.9 to 2%. It is not as good as the big ones. However, in order to maintain competitiveness, some small and medium-sized banks will increase the rebate bonus after the mortgage, and the bonus will increase. From $2,500 to $6,000, the Net Loan Amount method was used to calculate the rebate rate, bringing the maximum rebate rate to a new high of 2.17%.
To put it simply, assuming that the building is based on a loan of 2 million yuan, the small and medium-sized bank can only grant a maximum rebate of only 2%, or 40,000 yuan. Together with the new bonus of 2,500 yuan, a total of $42,500 will be awarded. After deducting the whole rebate according to the current regulations, the net loan amount was 1.975 million yuan, and the rebate amounted to 2.17%, which was higher than that of the Daxing peers.
High rebate is not extended to second-hand building
It is known that the bank’s high rebate bonus is only applicable to new buyers, and it does not extend to second-hand properties or re-applications. The main reason is to attract new buyers.
However, even if the large bank provides a direct rebate rate of 2.1% (about 42,000 yuan), the actual amount is only 500 yuan or 0.025 percentage points. Under different calculations, the gap between the two rebates seems to be widened to 0.07. percentage point.
Some people in the mortgage industry have also revealed that individual mortgage intermediaries will provide customers with hundreds of mortgage commission rebates, which must be included in the whole rebate, and have recently been converted to net loan amount calculations to reflect the “extra high rebate rate”. business. The mortgage competition is fierce. The calculation method and the related restrictions on the rebate between banks are very diverse. It is recommended that the public should understand the bank staff before undertaking the mortgage to avoid the loss.