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贷100万银行倒贴4500?这便宜占得,老房奴看了直拍大腿
Sou Hu Cai Jing· 2025-08-20 23:42
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]
“房贷返点”地下战
Hu Xiu· 2025-08-19 04:21
Core Viewpoint - The phenomenon of "mortgage rebates" has emerged as a promotional tactic among banks to attract housing loan business, particularly in the second-hand housing market, despite being officially prohibited for over a decade [10][11][14]. Group 1: Mortgage Rebate Mechanism - Banks collaborate with real estate intermediaries to pay commissions based on a percentage of the mortgage amount for clients referred by these intermediaries, with rebate rates ranging from 0.3% to 1% [1][6][7]. - A typical case involves a borrower receiving a rebate of 4,500 yuan for a 1 million yuan mortgage at a 0.45% rebate rate [4]. Group 2: Regulatory Environment - The China Banking Association issued a notice in 2010 to stop banks from paying rebates to intermediaries, highlighting the issue of unhealthy competition among banks [2][11]. - Recent initiatives by financial regulatory bodies in various regions aim to combat rebate practices in both mortgage and auto loan sectors, promoting a more stable market environment [3][12][13]. Group 3: Challenges in Regulation - Despite existing regulations, the practice of mortgage rebates persists due to various factors, including the lack of unified legal frameworks and the use of alternative payment terms to disguise rebates [14][15]. - The pressure on bank branches to meet performance targets often leads to tacit acceptance of rebate practices, as they become a key method for customer acquisition [14]. Group 4: Consumer Risks - Consumers may face risks associated with mortgage rebates, including potential misrepresentation of loan costs and the possibility of being steered towards less favorable loan products [9][14]. - The lack of formal documentation regarding rebate agreements can lead to issues with enforcement and consumer rights [9].
贷100万最高返1万,“反内卷”剑指房贷返点
3 6 Ke· 2025-08-07 07:52
Core Viewpoint - The term "anti-involution" has gained traction in the banking industry, with regions like Guangdong, Ningxia, and Zhejiang implementing measures to strictly manage mortgage loan commission rebates, which have been linked to unhealthy competition in the market [1][2]. Group 1: Background and Current Situation - Mortgage loan commission rebates are not a new phenomenon; they were explicitly banned in 2010 due to the potential for unhealthy competition and risks to consumers [1][3]. - Recent self-regulatory agreements from various banking associations have reiterated the prohibition of commission rebates, highlighting the ongoing struggle against this practice [2][3]. - The resurgence of commission rebates in recent years is attributed to the adjustment in the real estate market and a contraction in mortgage loan growth, prompting banks to compete more aggressively for clients [1][7]. Group 2: Regulatory Responses - Multiple banking associations have introduced self-regulatory agreements that prohibit any form of commission payments to real estate companies or intermediaries, aiming to curb unhealthy competition in the mortgage loan market [2][3]. - The Guangdong Banking Association and Zhejiang Banking Association have both emphasized the need to prevent "involution-style" competition, which includes practices like commission rebates and opaque operations [2][3]. Group 3: Market Dynamics - The commission rebate rates vary, with some local banks offering rates as high as 1%, while state-owned and national joint-stock banks typically offer lower rates [4][5]. - The competitive pressure from banks and the interests of intermediary agencies drive the persistence of commission rebates, despite regulatory efforts to eliminate them [6][9]. - The decline in mortgage demand and the need for banks to meet performance assessments have led to an increase in the use of commission rebates as a strategy to boost loan volumes [7][9]. Group 4: Risks and Challenges - The hidden nature of commission rebates complicates external regulatory oversight, as they can be disguised under various fees or through third-party transactions [8]. - The practice of commission rebates can disrupt market order, distort pricing mechanisms, and potentially harm consumer rights, as costs may be passed on to borrowers [8][9]. - Some banks, in pursuit of larger business volumes, may increase rebate rates, which could impact their profit margins and elevate the risk of non-performing loans [9].