Not only is the 30% mortgage discount never going to happen, good luck finding 20% or even 15% in Beijing.
The top institution on this list is the Beijing public housing fund (workers and companies can pay into it). The other banks (top to bottom: CITIC, China Merchants, HSBC, Pudong Development Bank, and Postal Savings) are only offering 10% off the prime rate, and second mortgages are 10% above prime, and these rates come with other conditions.
房贷新政下北京9折利率门槛高 银行称7折亏本
Fed SLOOS Survey: Banks reported Tighter Standards, Weaker Demand for
almost All Loan Types
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From the Federal Reserve: The April 2024 Senior Loan Officer Opinion Survey
on Bank Lending Practices
The April 2024 Senior Loan Officer Opinion Survey on ...
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