Ji'nan citizens willing to repay the loan ahead of time will have a strong interest rate cut, mortgage interest rate 10 percent off
is a great benefit for the house slaves. The cost of loans has dropped, and the price of many real estate in Ji'nan, Shandong has dropped. This has stimulated the enthusiasm of the people to buy houses. There are also questions from the public, the loan interest rate is much lower, the deposit interest rate is reduced, the bank profit space is compressed, and the Bank of 10 percent off before the mortgage rate continues to 10 percent off? Is it more cost-effective to repay the loan in advance? The interest rate of a part of the bank's mortgage rate is still 10 percent off
26. The reporter visited many bank outlets in Ji'nan. Most of the banks still carry out the mortgage policy before the interest rate reduction, which has been calculated according to the benchmark interest rate of 6.15% after the interest rate reduction. However, the state-owned banks have been adjusted to a benchmark interest rate of 6.15% on the basis of the original floating 5%. After the reduction of interest rates, the interest rate of the bank was adjusted to the benchmark, "it has been up to 5%" after the reduction of interest rates. The staff in charge of the housing loan in the vicinity of China Merchants Bank said the bank has been carrying out the benchmark interest rate, and other preferential policies are not in addition to the benchmark interest rate down after the reduction of interest rates. Change.
"at the moment, the bottom line for quality customers is still 10 percent off, but it's hard to say whether it will be a discount." Qilu bank, a staff member said. A customer manager at the Bank of Qingdao bank told reporters that the current mortgage policy has not changed. As long as no loans or loans have been repaid, all customers who buy the first suite can enjoy the 10 percent off discount of the present benchmark interest rate, and some high quality customers can be as low as 12% off.
30 percent off interest rate hopeless, interest rate reduction on the property market stimulus limited
the central bank cut interest rates, mortgage interest rates can be discounted? Will it reach 30 percent off of the central bank's proposal? In this regard, a state bank of a state-owned bank of Ji'nan Li surname manager told reporters that the current distribution of financial products has reached 5%, 6%, the benchmark rate of mortgage loans to 6.15% on the basis of the bank can hit to 10 percent off is close to the limit, 30 percent off is impossible. "At present, 10 percent off of banks are mostly targeted at high-quality customers, large deposits, financial clients, etc., in fact, there are comprehensive income. The bank also has to calculate the cost and calculate the benefit account. "
in addition, he said, now 6.15% of the loan interest rate is equivalent to the original 6% off, which is more obvious to the real estate business, just need a family of psychological stimulation. The real estate business's capital chain will be relatively relaxed, plus the central bank's recognition of the housing policy, which will stimulate the growth of the volume of the housing market. "But in the long run, we have to wait and see"...
early repayment of loans? A comprehensive calculation of the loan cost
this, many commercial banks say, less than one year in advance to repay the loan, the banks will receive a certain amount of breach of contract. And banks are required to make an appointment at least one week in advance and submit written applications for repayment. The time of examination and approval varies from one week to a month, and the amount of early repayment is usually an integral number of times.
seven road, a joint-stock bank credit department staff told reporters that most of the citizens are currently taking the "equal interest" mode of repayment, the repayment of interest expenditure is usually in the early repayment period. He suggested that the public should consider the cost of early repayment according to the loan interest rate, repayment period, and capital investment income.