张家港农商银行“青居贷”特色住房按揭贷款产品上线

Core Viewpoint - Zhangjiagang Rural Commercial Bank has launched the "Qingju Loan," a personal housing mortgage product aimed at supporting young people and new citizens in achieving their housing aspirations in Zhangjiagang [1] Group 1: Product Features - The "Qingju Loan" is designed to alleviate the initial repayment pressure for young people and new citizens, allowing for a more manageable entry into the housing market [1] - The loan structure features a repayment plan where the first five years require minimal principal payments, with the traditional equal principal or equal installment repayment method resuming in the sixth year, significantly reducing initial monthly payments to as low as 100 yuan [1] Group 2: Target Audience - The product is primarily targeted at young individuals who have graduated within the last ten years, provided they have continuously paid social insurance in Zhangjiagang for the past six months and do not have any outstanding housing loans in the area [1] - Applicants must also meet the talent standards set by the Zhangjiagang municipal government to qualify for the loan [1] Group 3: Strategic Importance - The launch of the "Qingju Loan" represents an innovative step for Zhangjiagang Rural Commercial Bank in the housing finance sector, aligning with the bank's service brand philosophy of "Achieving Together" [1]