It's the end of the year, and both banks and home buyers have encountered a rather tangled matter.
Many homebuyers have worked hard for a year and finally saved a sum of money. If they add in year-end bonuses like , will be a little more. This sum of money can just be used to pay off part of the mortgage in advance .
Do you want to pay it back? Is paying off the loan in advance?
As for the banks, , is most worried about this point. Due to the large difference in interest rates between new and old mortgages, many people do plan to repay their loans in advance. For banks, this is tantamount to losing the best quality loans Not a small part.
In order to avoid greater losses, should the bank take the initiative to lower the loan interest rate of "old house slaves""?
01, the interest rate difference is 2.47%
For example, I have a friend who bought a house with a loan in June last year. At that time, it happened to be in a period of high interest rates. As a result, although his first house, the interest rate was as high as 6.37% .
Looking at this year's first house The interest rate continues to drop, and he regrets it to death.
First of all, the base of LPR has been decreasing since this year. Next, the plus point of the loan interest rate for home buyers is also constantly decreasing, and even the original plus point ready-made has become a minus point.
As a result, the city where this friend lives now implements the lowest interest rate of 3.9% for the first house.
In this case, repaying the loan in advance has become a choice without hesitation.
02, poor investment
and for others , what compares is not the change of interest rate, but the rate of return on the investment at hand.
Various investments have been unsatisfactory since the beginning of this year. Risk-seeking investors have chosen stock or fund .
Some relatively safe investors put their money in the bank’s large-denomination certificates of deposit or wealth management products. As a result, this year’s wealth management products also experienced losses, and the interest rates on large-denomination certificates of deposit are getting lower and lower. So, now it seems that there is no way of investment and financial management, the rate of return is higher than the bank's loan interest rate .
So take back the money and repay the loan ahead of time, The less paid loan interest is equivalent to more money earned, which is also the normal thinking of many people.
03, the bank voluntarily lowered it?
The bank is also very aware of this kind of thinking in the market, and is also worried that once these practices appear on a large scale, it will cause a major loss to the bank's high-quality loans.
Because for many people , Since the interest rate of the new loan is so much lower, it is better to find a way to pay off all the loans and then make a new loan instead of just repaying part of the loan in advance.
Although the current low-interest rate loans are only for first-timers, however. It is said that many people have a way can get far lower than the previous interest rate when reapply.
Once these people really settle their mortgages, even if they refinance , it is very likely that they will switch to another bank, and for the original bank, it will be a loss of the entire business.
in order to avoidThe best way to avoid this loss is for banks to actively lower the loan interest rates for old home buyers.
The bank is well aware of this, but , really have the courage to make this decision , it is estimated to be very difficult.
Therefore, in the face of the difference in interest rates between new and old mortgages, ordinary people still need to find their own way.
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