The raising interest is still unstoppable, the personal mortgage market is not small? Http://www.soufun.com Real estate portal - Soufang 2004-08-17 11: 13: 00.0?? Real Estate Information Broadcast: http://news.sh .soufun.com??
Recently, there are more and more discussions and guessing on loan interest rates, and experts have great differences on this view. In the past 10 years, China's interest rate adjustment has been changing interest rates once, enhancing the loan interest rate is very "unfamiliar" for major investors, especially young investors.
"Leave a loan in advance" can not be "a bee"
I maybe it may be up to the loan interest rate, and many buyers have thought of "paying back in advance". The reporter learned from the Bank of China Shanghai Branch and the Construction Bank Shanghai Branch, and many banks in Shanghai. Since April, housing loans have been probably increased in advance.
In the face of the rate of interest expectations, whether to pay less interest in advance? Mr. Li, Li Mr. Li said in an interview with a reporter that it is necessary to pay back in advance, and must start from itself, "Thring Thoughts".
Mr. Li believes that buyers must consider whether they can withstand repayment pressure before choosing to pay back in advance. Achievement in advance means that some of the liquidity must be abandoned while having a large capital pressure. Everglar in one time may reduce the quality of daily life. On the contrary, a slight increase in subsidy after the rate of interest is not necessarily to bring obvious life pressure. "Amazing is more suitable for buyers who have idle money in the hands."
As for the earlier, the earlier, the earlier, Mr. Li told reporters that the loan contract has clear stipulations: Every year, the bank has power to re-determine the mortgage interest rate according to the adjustment of the actual interest rate, if the bank is not Adjustment, then this year is performed in accordance with the established interest rate standard. "In other words, if you want to raise interest rates, the formal adjustment of mortgage interest rates will also wait until January 1 next year. Now is in August, the lenders don't need to be eager to pay in advance, can be in this time, Currency used to pay for a better investment channel. "
For those who have the need for ahead of the loan, Mr. Li reminded the relevant matters -
For borrowers for a borrower for one year, if there is enough funds to repay the loan, 15 working days in advance, some or all of the pre-registration will be put forward in writing, and the application must specify the plan in advance. The notification is not detailed after the loan bank is confirmed, and the supplementary provision for the loan contract is equally legal effect. The application must be filed. For example, the borrower does not have any reason, it is not possible to pay a repayment in advance according to its date and amount issued to the proposed repayment application issued to the loan bank, and the borrower shall bear the default responsibility according to the contract. .
For borrowing contracts, the borrower of the borrowing contract is not over one year (including one year), requires advanced payment, the loan bank will charge a month-old interest rate according to the proposed repayment amount, and the loan interest rate of the day will be charged as a breach of contract. It has been agreed in the loan contract. In addition, after the advance payment, the repayment method will not change, the interest has not been returned; the total loan will be repaid in advance, and all loans will be cleared one-time.
Isometric principal VS equal principal
Interest rate changes have an impact on the total repayment. With different repayment methods, the same loan quota, loan period, and final repayment amount are different. The reporter learned from Shanghai in Shanghai. Recently, many savvy buyers have chosen "equal fund repayment" in the loan mortgage.
Mr. Lu, a branch of the construction bank, told reporters that using the equal fund repayment, borrowing 500,000 yuan, 10-year mortgage, during the period, if the bank's interest rate interest rate is 0.5%, the borrower final payment will reduce the equal principal basis. Yuan or above.
At present, commercial bank housing mortgage repayment is mainly divided into two ways "equal principal" and "equal principal". "Isometric this gold" is a repayment method of loan interest in the loan share of the loan in average the loan amount to the entire repayment period, while paying the last trading day to this repayment date. This repayment is reduced monthly monthly repayment. "Isometric principal" refers to the principal and interest of the loan and the use of a repayment in the monthly equal repayment, that is, within the entire repayment period, the monthly repayment is fixed. According to Mr. Lu, the amount of the "equal principal" is more than the "equal principal". Therefore, when the loan interest rate is lowered, the "NPR" has paid more bad interest in the case of higher interest rates, and the principal of the low interest rate can be enjoyed less than the "principal". On the contrary, when the loan interest rate rises, the "NPM" affects the remaining principal of the high interest rate, and the total expenditure of interest is reduced. "That is to say, when the interest rate is raised, the total difference in the two ways will be large; when the interest rate is lowered, the amount of the two is reduced."
Mr. Lu gave the reporter who wrote the note: buyers' loans 500,000 yuan, the loan term is 10 years, and the current loan interest rate is 5.04%. If the interest rate is not adjusted during the loan period, the total interest sum of the "equal principal law" and "equal principles" expires is 127,000 yuan and 1.375 million respectively, and the two have a difference of 10,500. It is assumed that the loan interest rate fell by 4.2%, when the interest rate is adjusted, the remaining principal of the "equal principal" and "equal principal", respectively, is 2.81 million yuan and 323,000 yuan, and finally pay the sum of interest payments. It is 1217 million yuan and 1.31 million yuan, and the two differ from 0.94 million. Conversely, if the loan interest rate rose by 5.58% after 5 years, the sum of interest payments paid by the "equal principal" and "equal principles" is 1.35 million yuan and 141,800 yuan, and the two have a difference of 11,300 yuan.
"Raising interest expectations" also has an impact on the purchasers' choice of mortgage borrowings, and the buyers have become cautious for the increase in mortgage repayment. According to the Communications Shanghai Branch, the bank has risen in the monthly month of personal real estate, and the situation in the quarter is adjusted in the near future. Among them, the period in which the mortgage is reduced is particularly obvious. At present, the mortgage of the period is only about 30% of the total mortgage, and the same period last year has exceeded 60%. ?
