Starting from October 1, the interest discount policy for residents’ home purchase loans will be officially implemented across the country. China Construction Bank responded proactively and acted quickly, clarifying the service process immediately, formulating an interest discount confirmation letter, and improving system functions to make "enjoyment without application" a reality. During the National Day, various branches of China Construction Bank visited real estate and real estate agencies to explain policies and calculate detailed accounts to ensure that the first batch of subsidized loans are issued in a timely manner, and the policy dividends of fiscal interest discounts are sent to home buyers to help qualified home-buying families enjoy the benefits of interest discounts as soon as possible.
Sichuan: Loan disbursement was quickly realized on the first day of the policy
On the first day of the implementation of the policy, branches of China Construction Bank in Shuangliu, Yibin, and Nanchong in Chengdu, Sichuan, respectively issued subsidized loans of 2.1 million yuan to four home-buying customers, covering newly built commercial housing and second-hand housing. Mr. Yang, a customer of Shuangliu Branch in Chengdu, Sichuan, said: "I have enjoyed interest discounts as soon as the policy was implemented, and it is very convenient to apply. You can check the details of the interest discount through mobile banking, and I know exactly how much interest you will save."
Zhejiang: Special service team helps realize the dream of safe housing
China Construction Bank Zhejiang Branch established a special service team to provide discounted interest services during the National Day holiday. Jiaxing, Huzhou, and Shaoxing branches successfully issued the first batch of discounted loans for residents to purchase houses in the province. "We have enjoyed benefits as soon as the policy was implemented, and the application process was smooth and worry-free. It has really reduced the pressure on us to settle down and fulfilled our dream of a small family." A customer said excitedly after successfully applying for a housing loan of 450,000 yuan and enjoying discount interest. After the loan of 450,000 yuan is issued, it is expected to save more than 20,000 yuan in interest expenses in five years.
Jiangsu: Providing interest discount services for home purchases in multiple scenarios
During the National Day, China Construction Bank Jiangsu Branch brought the interest discount policy to housing exhibitions, real estate sites, and intermediary stores. It set up service booths on site to actively serve groups who were in urgent need of home buying. At the Autumn Urban Housing Exhibition of the Zhenjiang Housing Association, Mr. Jiang, a home buyer, applied for a 600,000 yuan subsidized mortgage on the spot. He said, "I pay 500 less per month and save 30,000 in 5 years, which can be used as decoration funds. In the past, I always thought that buying a house would reduce daily expenses, but now with policy support, the pressure of home ownership has been reduced a lot."
Guangdong: Let migrant families settle down in cities with less burden
During the National Day, China Construction Bank Guangdong Branch handled a total of over 500 million yuan in subsidized loans, helping new citizens settle down and realize their dreams with efficient financial services.
Ms. Mo, a construction worker from Jiangmen, and her husband applied for a first-hand housing loan of 690,000 yuan and are expected to save nearly 35,000 yuan in interest payments in five years; Mr. Lin, a migrant worker from Foshan, took out a first-hand housing loan of 530,000 yuan and expected to save about 26,500 yuan in interest in five years; Mr. Chen, a migrant worker from Zhongshan, applied for a first mortgage loan of 370,000 yuan and is expected to save about 18,000 yuan in interest in five years.
Anhui: Mortgage discounts make house purchase plans more practical
During the National Day, the Anhui Branch of China Construction Bank helped customers understand policies and calculate costs through real estate visits and on-site services. Branches such as Hefei Hi-Tech, Luyang, and Anqing within its jurisdiction completed loan disbursements as soon as possible, and issued a total of 1.545 million yuan in discounted loans to three home-buying customers.
Client Ms. Li has been renting a house for almost 6 years. She has always wanted to own her own house without having to move frequently. She plans to buy a two-bedroom apartment of more than 90 square meters. After calculating the interest discount, she found that the repayment burden has decreased. She said: "Before, I was still debating whether to continue renting or bite the bullet and buy a house. Now the policy has given me a lot of confidence. The mortgage payment is about the same as the current rent. I plan to finalize the house in the near future and apply for a loan as soon as possible."
Beijing: First-rate service delivers interest discounts and dividends to your home
Customer Ms. Deng applied for a second-hand housing mortgage loan of 500,000 yuan from China Construction Bank Beijing Branch in September. After the introduction of the new policy, after screening and verification by the account manager, Ms. Deng met the applicable conditions for the interest discount policy, and it is expected that the cumulative interest savings in five years will be approximately 24,000 yuan. The account manager proactively contacted the customer as soon as possible and explained the interest discount policy, the content of the interest discount service confirmation letter and the handling process in detail. The proactive service was praised by customers.
Thousands of houses are lit with lights, and their hearts are set on living in peace. China Construction Bank will continue to increase the publicity of the home purchase discount policy, optimize business processing procedures and service experience, promote the interest discount dividend to cover more households in urgent need, and help residents better realize their dream of settling down.
