Lending rates on mortgages for increasing up for you borrowed ahead?

Lending rates on mortgages for increasing up for you borrowed ahead?

On New Year's day individual mortgages for open up borrowed ahead to points situation news the morning paper

To advance owing on the loan buyers for, different situation should be kept separate. The personage inside course of study thinks, in the current macroeconomic situation and liquidity to the situation of tightening, and not all are suitable for advance owing on the loan, some for a preferential interest rate to seventy percent over the past buyers because of low cost, as long as the increase of the burden is not big, and its pay large sums of money to advance owing on the loan, not used as a deposit.

A loan rates effect borrowed ahead of tide not apply all customers evening news

This year the central bank has three times by the influence interest rates next year, the Banks mortgage rates will be according to the latest interest rates execution. Among them, more than 5-year commercial mortgages benchmark interest rates will be as high as 7.05%. Therefore, New Year's day, before or will have the person that buy a house on the tide of loan payments. According to information, and next month the biggest increase in the benchmark interest rate, is in February before 9 with mortgages, benchmark interest rates will rise from 6.40% to 7.05%, with 0.65%. Expert analysis, the end of this year a big part of the person that buy a house by the crowd of repayment.

Next year the new interest rate mortgage the mortgage in advance for you? Qilu evening

According to the contract, mortgage rates adjust time for the general each year on January 1,, the three times this year raised interest rates, mortgage rates to pay for the citizens. This year, the central bank on February 9,, and April 6, 7 July 3 consecutive raised the lending rates, housing accumulation fund loan interest rates also synchronous adjustment, the New Year arrived, the home of citizens in loan mortgage will save some for more on when....... Some extra money with the mortgage on hand would think of to prepayment, but you know, not all of the mortgage loans are suitable.

Let the number and see if you speak for advance owing on the loan

Should the tangled mortgage slave borrowed ahead? Experts support for new culture

"3 home, this year, the income after son not too stable, but three years should be able to maintain the status quo in balance, about 200000, since the housing 120 square meters, the outstanding balance of the loans and 100000 or so, already borrow 6 years, reimbursement, a 8.5 discount rate. Have a little maiden mom I lived, this is all of the pay. Early last year and to buy an apartment, an investment is commercial housing, loan 150000, capital waiting for the forehead reimbursement, the interest rate rise 10%. Now there are 120000 yuan in cash, want to put this commercial housing loans. So consult everybody, the decision feasible not?"

What can save a borrowed ahead? Let the digital speak chengdu shangbao

If take the cash to an investment also apartment loans, 150000 yuan 10-year loan, early last year when loan, rise after 1.1 times the rate is 6.53%. According to the original plans 10 years if settlement, capital waiting for the forehead, interest payments totaling about 49000 yuan. However, the central bank raised interest rates several times since last year, the loan interest rate is rising. According to the current interest rate standard, rise 1.1 times after the rate is 7.755%. Hypothesis early next year in loans have been return two years (24 period) advance owing on the loan. At the appointed time, remaining principal for 120000 yuan shall, without considering during the remaining reimbursement rates change, interest can save about $37600.

Borrowed ahead "has exquisite" four unfavorable five criteria

Four kinds of cases should not be borrowed ahead

A condition, enjoy the 7 fold mortgage interest rates

Already enjoy 7 fold to a discount rate mortgages 85 the most should not also. 5 years or above in lending rates, for example, by January 1 loan interest rate adjustment, benchmark lending rates to 7.05%, if borrowers enjoy interest rates after 7 fold, the preferential interest rate is 4.935%, if enjoy 85 discount rates, the preferential rate is 5.9925%.

Case 2, reimbursement already to middle

Reimbursement already to middle mortgage customers should not be still ahead. Reimbursement monthly reimbursement amount is fixed, of which the principal repayment increases, diminishing interest payments. If the borrower to the middle borrowed ahead again choose reimbursement, have repaid most of the interest, prepayment part more is the principal, the situation then choose borrowed ahead of word meaning is not big.

Three, the situation has been one-third of countervail repayment

For capital waiting for the forehead has already been one-third of mortgages insults the borrowed ahead if it won't pay also. Capital waiting for the forehead is the total amount of loan specified amount will share the cost gold, according to remain the principal repayment interest calculation, along with the increase of reimbursement time, only to reduce the principal, interest payments less and less. Use the reimbursement means repayment period, when insults more than a third, when the borrower has also half of interest, and the extra choice borrowed ahead, pay more is a principal, can't effectively save the interest payments.

Four, investment income situation than loan interest rate

Investment income is higher than interest rate is unfavorable also in advance. Finance division think, although when the public investment risk, but if not greedy, earn a year 10% still has hope.

Borrowed ahead of five criteria

Rule 1: see yields

From the perspective of the person that buy a house, borrowed ahead is undoubtedly an investment, whether worthwhile, to see how high yields. The simplest method is based on the execution of the current mortgage rate I for reference, if can find higher than its investment mode and the risk degree is appropriate, unfavorable advance owing on the loan.

Rule 2: see funds utilization rate

If often have large amounts of cash on hand and couldn't find the right investment channel, funds use efficiency is low and have identified to advance owing on the loan, no matter what reimbursement way, are the early than late.

Rule 3: see inflation

Considering the inflation, refers to the investment yields will minus inflation, and then you can and borrowed ahead than the yield. Generally speaking, inflation to advance owing on the loan advantage.

Rule 4: see mortgage interest rates

Interest rates or not is not borrowed ahead of decision factors. The yield on the borrowed ahead by remaining mortgage period of the mortgage interest rates comprehensive decision. Now raise interest rates, does not mean that the remaining term of the mortgage interest rates will improve.

Rule 5: look at a preferential interest rate

Preferential abandon difficult again. Enjoy preferential interest rate of the person that buy a house, should not be commonly advance owing on the loan. Mainly were the two: enjoy preferential interest rate of discount first set of the person that buy a house; Accumulation fund loan of the person that buy a house.