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上月15日,中国建设银行与德国施威比豪尔银行合资的中德住房储蓄银行正式在天津开业。这是我国首家获得央行批准的,按照国际通行运作模式建立的住房储蓄银行。它将住房储蓄业务引进中国,使得目前国际上流行的三种住房金融模式(即住房抵押贷款、公积金贷款和住房储蓄贷款)在中国金融市场齐备。 与一般商业银行按揭贷款不同,该银行住房储蓄业务遵循“先存后贷,低存低贷,固定利率”的原则。比起其他银行,中德银行的主要优势就是利率低,该行五年以上贷款的最低利率是3.3％,是国内各种个人住房贷款中利率最低的,不仅远低于目前商业银行提供的5.04％的标准,也低于住房公积金贷款4.05％的利率。
On the 15th of last month, the China-Germany Housing and Savings Bank jointly opened by China Construction Bank and Germany's Schweithauerhaus Bank officially opened in Tianjin. This is China's first home savings bank approved by the central bank and established in line with the international mode of operation. It introduced the housing savings business into China, making the three popular international housing finance models (ie, home equity loans, provident fund loans and housing savings loans) available in China's financial markets. Unlike ordinary commercial banks, mortgage loans, the bank housing savings business to follow the “pre-existing post-lending, low deposit low, fixed interest rates,” the principle. Compared with other banks, the main advantage of Sino-German banks is the low interest rate. The minimum interest rate of the bank's loans of more than five years is 3.3%, which is the lowest interest rate of any domestic individual housing loan. It is not only far below the current 5.04 % Of the standard, but also lower than 4.05% of housing provident fund loans interest rates.