New interest rates will be implemented next month.
Lu network
Lu network December 12th news (reporter Wang Wenting) back on the mortgage heavy pressure of "house slaves", from next month, finally can be loosened It's angry. According to the usual practice, the interest rate adjustment of the "mortgage group" will be implemented in January 1st of next year. This means that after the central bank has cut the deposit and lending rate for two times in a row this year, the next month, the "housing loan family" will not need to be deposited in this year's monthly supply, and the amount of repayment will be reduced. However, bank staff reminded that the amount of repayment adjustment, banks will not text messages or phone calls, the need for mortgage customers to the bank for their own inquiry. The new interest rate of housing loans from the next month, the implementation of reporters learned that the vast majority of buyers in the signing of personal mortgage contracts, and the bank agreed to the loan benchmark interest rate adjustment method is "January 1st of the following year". That is to say, in a year, no matter how many times the central bank raises interest rates or cut interest rates, the new benchmark interest rate will only be implemented in January 1st next year. In the "personal housing loan contract" signed by commercial banks and buyers, the reporter sees that most of the contracts have been agreed on the adjustment mode of the mortgage interest rate in twenty-sixth items: the loan term is more than one year, the loan interest rate is adjusted once a year in January 1st, in the period of the loan, if the benchmark interest rate is not adjusted. As a whole, the loan interest rate will not be adjusted. A family of mortgage loans for their own repayments to the public also for housing loans, from the next month the implementation of the new interest rate will be the two interest rate after the central bank's interest rate reduction this year. "The central bank announced the interest rate reduction in June 8th and July 6th this year. The benchmark interest rate for the five year loan will fall from 7.05% to 6.55% from the beginning of this year, with a total drop of 0.5 percentage points." Mr. Jiang, who is responsible for the credit work of a branch of Ji'nan branch of Hengfeng bank, said that the rate of adjustment of the benchmark interest rate will be different in different periods of this year. Mortgage loans before June 8th this year: the benchmark interest rate will drop from 7.05% to 6.55%, an overall decline of 0.5 percentage points. From June 8th to July 6th, the benchmark interest rate will drop from 6.80% to 6.55%, down 0.25 percentage points. And how much will the monthly mortgage payments to the public be concerned about? The director of the Bank of Ji'nan branch of the Agricultural Bank, which is responsible for the credit work, said that due to the different loan term, loan amount, loan interest rate (some floating, some floatation, and some benchmark interest rates) are different, the amount of monthly increase is also different. "For the specific amount of repayment of the adjustment, the public also needs to go to the bank to inquire next year's repayment plan, the bank has not provided relevant SMS or telephone notification services." Reporters then consulted a number of banks, and were told that there were no telephone enquiries or notification services that had been adjusted for loan quotas. "We will calculate the repayment amount of the mortgage customers, and see how much the monthly payment will be reduced. Members of the public can also make calculations through the online enquiry system. At the same time, bank staff reminded the public that it would be better to repay the amount according to the previous amount before the amount of repayment was not clear. "Now the situation of personal housing loan repayment has been brought into the people's Bank credit system. If the payment is not paid in full and on time, it will directly affect the personal credit record and have a negative impact on the personal credit activities in the future."