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从2006年1月1日起,银行的个人住房贷款期限以及相应的利率被细分为更多的档次,例如,中国工商银行由以前的“5年(含)以内和5年以上”两个档次,调整为“6个月(含)以内、6个月~1年(含)、1~3年(含)、3~5年(含)、5年以上”共5个档次。中国建设银行也细分为“1年(含)以内、1~3年(含)、3~5年(含)、5年以上”共4个档次。可见,银行的房贷期限进入了细分时代,个人办理住房贷款也随之进入精挑细选时代。
From January 1, 2006 onwards, the bank’s individual housing loan term and the corresponding interest rate are subdivided into more grades. For example, ICBC is divided into two groups by the previous “five years (inclusive) and five years” Grade, adjusted to “within 6 months (inclusive), 6 months to 1 year (inclusive), 1 to 3 years (inclusive), 3 to 5 years (inclusive), more than 5 years,” a total of five grades. China Construction Bank is also subdivided into four grades of “within 1 year (inclusive), 1 to 3 years (inclusive), 3 to 5 years (inclusive), over 5 years”. Visible, the bank mortgage period has entered a subdivision era, personal housing loans will also enter the carefully selected era.