Zhong Guo Jin Rong Xin Xi Wang·2025-07-25 06:41Core Viewpoint - The China Bank Zhejiang Branch plays a significant role in supporting residents' housing dreams and promoting the construction of livable cities through comprehensive financial services in the housing finance market [1][2][3]. Group 1: Housing Loan Performance - As of June 2025, the personal housing loan balance of China Bank Zhejiang Branch reached 249.2 billion yuan, with new loans of 21.6 billion yuan, reflecting a year-on-year growth of 14% [1]. - The bank has implemented measures to lower the threshold for home purchases, including reducing down payment ratios and loan interest rates, thereby alleviating financing costs for borrowers [1][2]. Group 2: Support for Borrowers - The bank has provided targeted support for borrowers facing temporary difficulties through mortgage restructuring and renewal, optimizing repayment methods for 174 clients this year [2]. - The implementation of the "second-hand housing mortgage transfer" model has simplified transaction processes, reducing costs and risks for buyers [2]. Group 3: Product Innovation - China Bank Zhejiang Branch has developed a comprehensive financial service system covering the entire housing lifecycle, including loans for parking spaces, renovations, and rural housing improvements [3]. - The introduction of innovative products, such as loans for non-property parking spaces and renovation loans, addresses diverse housing consumption needs [3]. Group 4: Technological Advancements - The bank leverages financial technology to enhance service efficiency, with mobile banking allowing customers to manage loans conveniently without visiting branches [4][5]. - The use of big data and artificial intelligence has improved the accuracy and efficiency of credit assessments, significantly speeding up the loan approval process [4][5]. - A full-process risk management system has been established to prevent fraud and credit risks, maintaining optimal asset quality in housing loans [5].