对于个人首套住房贷款,近期北京、上海、武汉等一、二线城市的多家商业银行重启利率九折甚至八五折。然而笔者发现,虽然银行普遍给出九五折的利率优惠,但普通消费者要申请到八五折优惠还是非常难,除了是银行的优质客户外,还要看对银行的贡献度是否达到标准。条条框框要求多“与去年不同的是,不仅首套房贷款利率回落到基准水平甚至可以打折,申请难度也降低了不少。”一家房地产有限公司的负责人如是说,最近成交的几笔二手房单子 For the first personal home loan, a number of commercial banks in tier-1 and tier-2 cities such as Beijing, Shanghai and Wuhan recently restarted interest rates at 10% or even 15% off. However, the author found that although banks generally give a discount of 95% on interest rates, it is still very hard for ordinary consumers to apply for 15% discount. Apart from being a bank’s high-quality customer, it also depends on whether the contribution to the bank has reached the standard . “More different from last year, not only the first home loan interest rates back to the baseline level can even be discounted, application difficulty is also reduced a lot. ” A real estate company official said, the recent transactions of several second-hand Housing list