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PeriodIIILOANS
Contents
LearningObjectives
()1.Thenewhousingloanmeansacommercialloanissuedtoindividualbuyersforthefirsthomepurchase.()2.Theamountofloanshouldnotbeover70%ofthepurchasedhousingvalue.()3.Thebusinesscanbehandledatlocaloutletsatlevelslowerthansub-branchesofBankofChina.()4.ThehomeloaninterestrateissetinlinewiththecommercialloaninterestrateandfloatswithinthescopewhichisrequiredbythePBOC.()5.YoucanauthorizeBankofChinatodeducttheprincipalandinterestfromyouraccounteachmonth.
W:ThisisBankofChina.CanIhelpyou?M:Iwanttobuyahouse.Canyoutellmesomeinformationaboutloans?W:Certainly.Weofferapersonalnewhousingloanandapersonalsecond-handhousingloan.M:Whatdoesthenewhousingloanmean?W:Itmeansacommercialloanissuedtoindividualbuyersforthefirsthomepurchase.Customerscanalsogetapreferentialhomeloaninterestrateandone-timepreferentialpayment.M:Whatabouttheloanqualifications?W:Borrowersshallmeetthefollowingqualifications:thevalidresidentidentity,aproperjobandregularincome,thecontractoragreementforthehomepurchased,andthedownpayment.M:Whatabouttheloanterm?
W:ThetermofRMBloansisnotover30years,andthetermofforeigncurrencyloansisnotovereightyears.M:Whatabouttheinterestrate?W:ItissetinlinewiththecommercialloaninterestrateandfloatswithinthescopewhichisrequiredbythePBOC.M:Whatabouttheloanquota?W:Theamountshouldnotbeover80%ofthepurchasedhousingvalue.M:Howtomakeloanrepayment?W:YoucanauthorizeBankofChinatodeducttheprincipalandinterestfromyouraccounteachmonth.Oryoumaychooseone-offrepaymentofprincipalwithinterest.M:WherecanIhandletheloanbusiness?W:Atl
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