Mortgage interest rate cut discount early repayment tide dark surge

"If BOC raises the mortgage rate, will it be more cost-effective to repay the loan in advance?" ”...... This newspaper yesterday reported "worried about banks face, the public do not believe preferential", many people worried about the cost of home purchase, to seek solutions.　　　　Bankers believe the move may lead to a new wave of early repayment in the market. BOC customers plan to repay the loan in advance "I am in charge of the business, every day about more than 10 customers are to handle prepayment business."　　"One of the lenders at the bank yesterday told reporters that from what she knew, BOC's customers have not increased significantly in advance, but" this is because the rules have not yet come down, the interest rate concessions to narrow the measures have not really implemented, "she said," Once the implementation, the possibility of early repayment of the tide is still very large. " According to the reporter understand, many BOC customers already in the planning of prepayment matters. The little Wu Cong, who lives in Haizhu District, is not getting a mortgage for long, and she is now planning to repay the loan ahead of time. "My mortgage in BOC is the second suite, and the interest rate is 1.1 times times higher than the benchmark rate, which is the biggest hit." "It is worth noting that, as other banks may follow the bank's move to raise the mortgage rate, clients at some other banks are also starting to plan ahead with their repayments. "The bank's measures will indeed lead to an early repayment of the money available to the people on the market." "Huang, deputy director of the management Department of the mortgage Business, said:" Recently many customers have begun to ask about the early repayment, but estimated early repayment of the public will not be too large. "Prepayment costs are not high. The deputy governor of a CCB branch in Yuexiu District told our correspondent that cash-rich people on hand would be able to effectively mitigate the additional burden of rising interest rates, but those who enjoyed low interest rates over the past year or so,　　In a number of banks, including the construction Bank, the mortgage contracts are not agreed to the preferential period, "according to the original contract implementation, will not be affected," he said, this part of the customer's early repayment significance is not very big.　　In addition, for the mortgage has been half the time, the use of principal unchanged residual repayment interest monthly decline of borrowers, the early repayment of the interest is not significant. According to the reporter understands, the public must advance repayment, the extra expenditure is not much. Most banks are required to make payments in advance after a year without penalty. BOC is to take "to pay more than one months interest, can advance repayment" practice, the application of a months can be done. Guangzhou to announce the number of check out every day