At the end of the year of Ji'nan, there is no advance repayment tide. The investment income is higher than the mortgage interest rate.
the Ji'nan Times reporter often germinate Li Xin
in accordance with convention, by the end of the year, loan buyers will take out their savings and year-end bonus applications. Early repayment of part of the loan, recently many wage earners are also considering whether to pay in advance. Recently, a number of banks in Ji'nan have been informed that due to the two interest rate reduction this year, the actual monthly payments are reduced. At present, all banks have not appeared in previous years to apply for early repayment of the loan. As for whether to repay the loan ahead of time, the professionals should not generalize and decide according to the specific circumstances of the individual.
bank no centralized early repayment of
there are not many people early this year to repay the loan. In December 23rd, in a business hall of Everbright Bank, a staff member told reporters.
for many Chinese people with traditional ideas, whether it is mortgage or other debt, in the case of ability to repay, most people will choose to pay back as soon as possible so as to be free from debt. Therefore, some people will pay the year-end bonus at the end of the year, and have some loans ahead of schedule when they have some savings. However, reporters recently visited the Bank of Guangda, the Construction Bank, the industrial and commercial bank and other banks to understand that the bank acceptance of the mortgage business at the end of this year has not been significantly increased, relatively stable.
banks have reflected that the two interest rate cut in this year is different from the previous concern that the interest rate of the housing loan is up, so that more mortgages are not anxious to repay the loan in advance, and are more willing to wait for the concessions brought after next year's mortgage interest rate reduction.
accounts
30 years 1 million housing loans next year to reduce 333 yuan
the central bank two down deposit and loan interest rate this year, 5 year loan interest rate down 0.5 percentage points, from 7.05% to 6.55%, which is no doubt a good news for the loan buyers. As most of the mortgage loans are adjusted in the next year, the number of old mortgage customers will decrease correspondingly from January next year.
for a loan of 1 million yuan, 30 years as an example, according to the same amount of principal and interest repayment, at present a monthly payment of 6686.64 yuan, adjusted after a monthly repayment of 6353.60 yuan, a month can be less than 333.04 yuan.
there is a slight reduction in monthly supply for those who enjoy thirty percent off interest rates. Taking loans for 30 years and 1 million yuan as an example, thirty percent off yuan is required to repay 5328.56 yuan a month. After adjustment, the monthly repayment will be 5120.47 yuan, and the monthly payment will be reduced by 208.09 yuan.
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learn to make their own money by the bank's money
a lot of people think that under the conditions of ability, the earlier the better the loan, the better, but the professional financial personage said that whether to repay the loan in advance should be determined according to the individual situation. The following five groups of people, professional financial managers do not recommend that they repay the loan ahead of schedule.
these five groups of people are: home buyers who enjoy 30 percent off to 15% off of the benchmark interest rate, 1/3 of the homebuyers in the same amount of principal repayment, the homebuyers with equal principal and interest repayment to the middle term, the buyers who will be lending to the bank in the near future, and the investors who have a higher rate of return on investment than the loan interest rate.
I also have personal loans, and I have paid half of them. I am sure they will not repay them beforehand. The interest rate is only 4.585% after thirty percent off, so this low loan interest rate can not be applied this year. Now I buy trust products, the annual yield is 8%. If the stock market picks up and picks up, it can also invest idle funds into the stock market or buy stock funds. Next year, there may be good returns. Mr. Gao, an investment consultant at a bank in Ji'nan, said that smart people should learn to earn their own money by borrowing money from banks.