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As is well known, the monthly supply pressure after purchasing a house is high, and homebuyers have a strong demand for "stress relief" during the buying process! According to statistics from Shijiazhuang, in the current customer base of Shell's new brokerage brand, commercial loans account for nearly 60%, making it difficult for homebuyers who bear the burden of various household expenses to breathe a sigh of relief. In response to the current market demand, Beike Findfang Shijiazhuang Station, in collaboration with Pudong Development Bank, has launched a "peace of mind return" product to relieve pressure on homebuyers and help them easily settle down.
As of October 2023, Anxin has also helped 410 families to relieve stress and settle down, saving users a total of 800000 yuan.
High repayment amount, high pressure, and difficulties in buying a house and real estate
In the early stages of purchasing a house, expenses such as down payment, monthly supply, decoration, home furnishings, and parking spaces can be described as "pressure mountains" for first-time buyers. According to statistics from Shijiazhuang Shell, 60% of commercial loan users can afford a total price of 600000 to 1.5 million yuan for just in need customers, and 61% of users hope to reduce their monthly supply. Taking the loan amount of 1 million yuan as an example, it requires a monthly repayment of nearly 6000 yuan. According to statistics, the main homebuyers are young and middle-aged people aged 30 to 40, accounting for 49%. The huge expenditure has led to a sharp increase in life pressure and a decline in quality of life. For customers who sell old and buy new, in the current market environment, sharp price cuts can also bring about a decrease in their family assets, and a buffer period is crucial for them; For development enterprises, promoting the revitalization of this group has also become an important business growth point.
Shell's "peace of mind return" integration of resources to assist in reducing stress and buying a house
In March 2023, Shell Real Estate Shijiazhuang launched the "Anxin Repayment" product, collaborating with Pudong Development Bank, new brokerage brands, and developers to help homebuyers solve the problem of buying a house.
Pudong Development Bank provides mortgage customers with a new combination of repayment methods called "peace of mind repayment". Customers can repay interest and 1 yuan of principal per month within a certain period of time (usually 1-3 years), which can reduce the initial repayment pressure on customers when purchasing a house. At the same time, we provide customers with preferential loan rights and other living benefits in decoration, home furnishing, and parking space consumption. The contracted developers can provide high-quality services to customers in the on-site service, widen the gap with competitors, and help the rapid urbanization of the housing market. Throughout the entire service process, brokers provide customers with full consultation, service, processing, and professional advice, allowing them to enjoy genuine discounts and benefits. Three parties work together to help clients reduce stress and purchase real estate.
This move has attracted widespread attention. Many homebuyers have consulted on the application process for peace of mind repayment, and multiple real estate companies have also joined the ranks of "peace of mind repayment". As of October 10, 2023, 14 new housing projects including Longhu Tianpu have been equipped with peace of mind return services. For banks, an easy repayment method will bring more customers' active choices; For homebuyers, there can be a buffer period when buying a house, and the pressure instantly decreases; For developers, they can timely target customers and accelerate the sale of properties; For real estate practitioners, multi-party promotion of transactions has also brought efficiency improvements.
The first order of 'peace of mind return', Ms. Luo bought her beloved house
Ms. Luo, a customer from Shijiazhuang, was the first customer to complete the transaction of 'Anxin Repayment'. Ms. Luo is interested in a relatively high amount of housing loan and plans to sell one of her properties for improvement and upgrading. The "peace of mind repayment" model introduced by Shanghai Pudong Development Bank and Shell was recommended by the broker. She immediately successfully processed the mortgage loan with peace of mind and settled on the house she desired. After signing the contract, Ms. Luo also breathed a sigh of relief. "In the first three years, we only paid interest and 1 yuan of principal, which reduced the monthly supply a lot. There is no need to rush to sell the original house, and there is no penalty for early repayment. When the funds in hand are turned over, early repayment can also save a lot of money
Mr. Zhang bought his beloved second-hand house and upgraded it to 2.0, from new house to second-hand house, from one type to multiple types
I want to buy a second-hand house as a wedding home. After buying the house, I need to renovate it and have a baby soon. I also have various credit card bills to pay back, and I am the only source of income for the family. After learning about Anxin repayment, I immediately communicated with my agent to apply for Anxin repayment. Anxin is not bad, and I only paid interest and 1 yuan of principal in the first three years of the loan. This way, I can pay back over 700 yuan less in one month, compared to 24000 yuan less in the first three years. I was originally afraid that the quality of life would decrease after buying the house, but After Anxin, we can completely handle it, and Anxin has truly solved the loan pressure problem for us, "said Anxin's client, Mr. Zhang.
On November 4th, Anxin also held an exchange meeting under the guidance of the Hebei Housing and Real Estate Industry Association and the Shijiazhuang Real Estate Industry Association, and carried out a new service upgrade. According to Xue Haifeng, General Manager of the Retail Credit Department of Pudong Development Bank Shijiazhuang Branch, There are two main upgrade points for this upgrade. Firstly, the service scope has been expanded from a single new house model to an increase in second-hand business in the four districts of Shijiazhuang City. Secondly, the mortgage repayment method has been upgraded from "Anxin Repayment" of equal principal to "Anxin Repayment" of equal principal, and "Anxin Repayment There are two repayment methods for equal principal and interest. After the upgrade, the first year of the Anxin repayment model reduces the monthly repayment burden by 32.9% compared to equal principal and interest, and 47.4% compared to equal principal and interest, effectively reducing the initial repayment pressure for homebuyers. This service upgrade was carried out by Shell, Shanghai Pudong Development Bank, real estate brokerage brands, and developers after conducting multiple research on customer needs. For homebuyers, they only need to understand the content of the "peace of mind return" product and confirm their goodwill before signing. Interested customers can consult Shell Co Brokerage Brand Brokerage for details.
Regarding this, Li Xiang, General Manager of Beike Findfang in Jinji Province, shared: "Satisfying customers' diverse repayment needs with 'peace of mind repayment'; also starting from being good to customers, achieving 'benefiting the people' ". It is a new product that adapts to the current market situation and is beneficial for banks, homebuyers, development enterprises, and real estate intermediaries. In the era of" livable living ", all parties in the real estate industry need to focus on customer needs, assess the situation, and continuously develop innovative service models to meet the constantly increasing housing needs of users. The Beike Findfang Shijiazhuang station will also continue to uphold the value of customer first, collaborate with resources from all parties, and continue to iterate Improve the quality of peace of mind and service to meet the needs of more people for secure housing and real estate. Provide high-quality and personalized real estate residential services for homebuyers in Shijiazhuang
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