http://sd.sdnews.com.cn/jinan/201601/t20160105_2025064.htm
Shandong commercial newspaper reporter
last year's 5 interest rate reduction, the benchmark interest rate of housing loans dropped from "6 words" to "4 words". Last year, people bought a lot of real benefits when they bought a loan. Many old housing slaves will also start in January 1st this year. Enjoying the dividend of last year's interest rate cut, the monthly supply began to decrease significantly. At the same time, reporters understand that most of the banks are still giving mortgage discount, and 5% off is still more common.
because most banks have a one-year note on the loan interest rate for old customers, although the interest rate has fallen by 1.25 percentage points after the 5 interest rate cut last year, many old housing slaves can enjoy a monthly supply reduction this year. Less benefits, with 30 years of housing loans as an example, the monthly supply can be reduced by nearly 13%.
"in 2014, a drop in interest, my monthly supply reduced more than 100 pieces, last year after the 5 interest rate reduction is sure to drop more, so I have been looking forward to this month, I will be on the 15 month for the month to see how much less." Mr. Huang told reporters that he bought a house in 2013 with a loan of 500 thousand yuan. At that time, the monthly supply needed more than 3000 yuan. After the 5 interest rate reduction, it might only be enough for more than 2600 yuan.
reporter learned that, at present, most of the bank's interest rates were adjusted, and the policy of implementing new interest rates began in January 1st the following year, that is to say, most of the "old slaves" should enjoy the benefits of reducing interest rates, and the next year after the interest rate reduction.
according to the reporter's calculation, if the public handled 30 years of mortgage loans in 2015, the monthly supply will drop by 12.88% in January 1, 2016. If 20 years' loan is applied, the monthly payment can also be reduced by about 10%.
at the same time, although the bank has cut interest rates, the banks have not substantially tightened their mortgage loans. Since last year, most of the foreign banks have been discounting the interest rate. At present, according to the data of the 360 statistics, up to 13 banks are still discounting the mortgage rate, the maximum discount of 15% off, and the first set of 12 banks. The rate of room rate is 5% off, that is, the current rate of common housing loan is 4.66%. If the loan is 500 thousand yuan to buy a house, it is calculated for 30 years with the same amount of principal and interest law for 30 years, and the monthly supply is only 2581.18 yuan.
but at the same time, reporters know that 5% off of the mortgage interest rates can be enjoyed by most citizens, but it is not easy to get 15% off. "Premium customers can get a 15% off discount, including large deposits and financial products." The staff of a city business firm said. And, he told reporters, because the bank and the fixed number of real estate sign a cooperation agreement, not all the city buyers can apply for 15% off of the interest rate discount, "only we cooperate with the building can, buy other buildings can not apply for loans from us."
related links
bank implementation of cross year "sectional interest rate"
part of the public this month repayments or not fall
although this year, the monthly supply of many old slaves will be substantially reduced, but this month there may be a rise in monthly supply, bank related people show, because most of the banks By adopting a cross - year method of counting interest rates, a small increase in the amount of return of some citizens in January should be made, so that the citizens should deposit some money in the bank in a month to avoid the overdue situation of the mortgage.
bank loans department related people, most bank mortgage repayment day in mid and late, because in January in the annual section of the interest rate period, some customers may increase the monthly loan for January. If the 15 day of the month is to repay the loan, the interest calculation method at the end of 2016 should be divided into two parts. In from December 15 to 31, 2015, the old interest rate was carried out and the new interest rate was carried out in from January 1 to 15, 2016. Therefore, the decrease of the interest rate of the mortgage in January was not obvious, but at the same time, the repayment of the principal would be on the basis of the equivalent principal and interest calculation formula. The increase in the principal amount of the house owner will exceed the interest rate drop, so there will be a "no drop or a rise" in January.