this year, the first suite of loan interest rate can be described as diverse, first from the beginning of the year up 10% in February to return to the benchmark interest rate, to 10% discount today, or even part of the bank by 8.5 fold preferential interest rates and so on. The first suite of loan interest rate discount rate adjusted so that many have begun to repayment of the borrower some doubts whether the monthly repayment amount will be changed accordingly? Enjoy preferential interest rates for the mortgage to worry about whether they will be canceled, without a standard mortgage to enjoy preferential interest rates are more concerned about whether it will follow the new prime rate to be adjusted accordingly.
In order to understand this issue, the reporter interviewed a “Wei Jia Anjie professional loan analysts, experts told reporters view from the macro-control policies, several adjustments over the years first time home buyers loans gone through two focus adjustment. Once the shadow of the global financial crisis in 2008, the first suite of borrowers 30% discount rate; another 2011 mortgage policy is more stringent, the first suite of lender interest rates go up 10%. Mortgage family has already begun for when the lending rate of the first suite of new changes will impact on it? This requires a specific analysis:
● the first suite of 2008, borrowers enjoy the seven interest rate discount
Case: Zhang bank loans in November 2008 from 80 million to pay to buy a house costs, the repayment period is 20 years. Zhang paid on time and follow the interest rate every month to enjoy 30% off for months. New changes in interest rates to 2012, Zhang month also for the month compared to before a part of no immediate concern to the dynamic changes in interest rates, leading to Zhang the overpaid part of the month for questions is not their own in 2008 to buy a house to enjoy the preferential policies subject to change?
expert analysis: the 2008 mortgage benchmark interest rate 5.94%, to enjoy the preferential rate of 4.158% rate to fall 70%, from 2008 to 2012, has experienced five times to raise interest rates. Xiao Zhang has also several years for the “old mortgage” gone through several rounds of interest rate increase, the annual bank interest rates are different. However, for Zhang, have enjoyed discounts will never change, follow the footsteps of the current bank interest rates, so Sally does not need to worry about.
● in 2011, the first suite of interest rates go up
the case: Wang in 2011 to the bank loan of one million yuan to purchase a property in Beijing, and the repayment period is 20 years. Was the case in the first suite of loans, high interest rates, the benchmark interest rate than before, up 10%, then Wang in 2011, the first suite of loan interest rate of 7.755%. In early 2012, the latest first suite of loan rates again from February’s benchmark interest rate down to about 10% of individual banks and even recurrence of 8.5% discount. Wang believe that in 2011 high-interest loans in the case, should be entitled to 9 of the 2012 first newest suite of loan interest rate discount, but experts said it is not true.
expert analysis: in accordance with the provisions of the bank’s repayment of the mortgage borrowers do not enjoy the preferential policies in the first suite of 2012 the first suite of loan interest rate discount. This is a lot of mortgage borrowers are prone to misunderstanding. In this regard, the experts pointed out that the two large mortgage to inform how to tell Myth: (1) The borrower should carefully read the signed purchase contract, has become all the text of the favorable terms will be reflected in the purchase contract, the bank also approved the borrower’s monthly mortgage amount will be in strict accordance with the borrower’s purchase contract favorable terms; (2) the monthly amount paid by the mortgage borrower with the bank’s current interest rate changes, borrowers enjoy the preferential policy or did not enjoy the preferential policies are always the same.
based on the advice of experts, the repayment of the mortgage borrowers do not have to worry about the lending policies of the first suite of changes in preferential conditions, the preferential policies enjoyed by borrowers has remained unchanged, changes in the monthly amount paid is the difference with the current bank interest-rate fluctuations. Similarly, the repayment of the mortgage does not enjoy the new loan in the first suite of incentives, even if the borrower is a purchase under the conditions of higher bank interest rates, experts suggest that buyers under the conditions of higher interest rates borrowers can try to advance repayment of the ways to ease the pressure for the month.
real estate channel. _ Xinhua