贷100万银行倒贴4500？这便宜占得，老房奴看了直拍大腿

Core Insights - The article discusses the emerging trend of banks offering cash rebates to customers who take out home loans, which has become a common practice in the current market [1][3] - It highlights the experiences of various individuals who have received significant cash back upon securing their loans, indicating a shift in the lending landscape [1][3] Group 1: Cash Rebates in Home Loans - A borrower in Shanghai received a cash rebate of 4,500 yuan after taking out a 1 million yuan mortgage, showcasing the trend of banks incentivizing loans with cash [1][3] - Another borrower in Jiangsu received over 30,000 yuan for a 9.75 million yuan loan, indicating that larger loans can yield substantial rebates [1][3] - Mortgage brokers are now emphasizing cash rebates in their sales pitches, suggesting that this practice has become a competitive selling point among banks [1][3] Group 2: Regulatory Concerns and Market Dynamics - Despite regulatory warnings against such cash rebates, the practice continues to thrive, with brokers reportedly pocketing a portion of the rebates intended for customers [1][3] - The article notes a stark contrast between the current lending environment and that of a decade ago, where borrowers faced more stringent conditions and less favorable treatment from banks [1][3] - The long-term implications of these cash rebates are questioned, as the article suggests that the rebates may not significantly offset the overall cost of borrowing, particularly when considering interest payments over the life of the loan [1][3]