. and the end of the year, faced with a collar end of the year how to distribute red envelopes, a lot of people think of using the money in advance repayment. The Shanghai Branch of the Bank's financial division to remind the public that although the early repayment to reduce interest payments, the interest earned poor, blind as we do not, can refer to the following capabilities of the actual situation.

. according to new loans rate adjustment

. canceled due to the housing mortgage rate, the implementation of the bank lending rate next year, has allowed a range of floating. At present, the central bank announced the benchmark lending rate at 6.12%, up to the banks on this basis, 10% of the float downward, not up restrictions. Therefore, Shanghai's commercial banks may be next year for their mortgage customers to develop the appropriate personal loan interest rate program.

. for example, the amount of 500,000 yuan loan, the loan period of 20 years of housing mortgage loans, matching the use of principal and interest law, according to the original 5.31 percent interest rate terms, to be repaid to 3386 yuan per month; under the new benchmark interest rate to float downward 10 percent That is, 5.51 percent rate of dollars per month still to be 3442 yuan, only more than 56 yuan; if the benchmark interest rate by 6.12 percent total, still to be 3616 yuan per month, more than 230 yuan. Therefore, financial management division of the view that the use of the base interest rate to float downward in the implementation of the borrower, next year to repay a small amount of the increase will not have a greater impact on life, no need to rush to the bank to repay ahead of schedule, but the implementation of the benchmark interest rate, or Above the benchmark interest rate the borrower, interest payments due to the large increase, borrowers may consider appropriate for repayment ahead of schedule in order to alleviate the pressure to repay.

. less than a year, the cost of expensive

. borrowers to repay ahead of schedule in the former, it is also necessary to consider in advance the cost of repayment. If the bank provides the borrower to repay more than 1 duration, in order to apply for early repayment of the loan. So borrowers can not repay in a year ahead of schedule. Another example is provided for some banks, borrowers in a year in advance to pay the debt, the repayment amount to be paid in advance 1% of the liquidated damages, if the early repayment of loans 500,000 yuan, to be paid up to 5,000 of liquidated damages, equal to the The current interest rate, 20-year repayment period in the last 3 months of interest, so the cost is relatively high. Under these circumstances, the borrower can complete a few months, and so on, in loans over a period of years later to repay ahead of schedule, we can not have to pay an additional penalty, saving the cost of repayment in advance.

. capabilities ahead of schedule an appointment

. whether the borrower to repay ahead of schedule, first of all, according to their financial needs should be arranged. If the borrower has plans to get married and have children, the savings will be used to repay ahead of schedule, it will affect life in the future; if the investment preferences, once optimistic about market may have missed a good opportunity for income, a good idea to compare the early repayment of the opportunities The cost and revenue opportunities can be a pretty good idea. Second, should also take full account of their actual ability to repay, according to our capability. If only because of a slight rise in interest rates on the repayment ahead of schedule, to the neglect of the external uncertainties, the need for capital will affect their quality of life, more losses than gains.

. New Year approaching, the banks ahead of time to repay a certain amount of volume growth, ahead of schedule for repayment of customers since the beginning of a long row. Therefore the end of the year there are plans to repay in advance of the public should be ahead of the original appointment bank loans, the bank will be based on the progress of the borrower to apply for early repayment of the procedures. It is learned that the pay-related firms also denied on the market "can only be 1 year ahead of schedule repayment 1", in fact, 1 year of working days in any bank, banks accept applications for early repayment. No need to squeeze the end of the year's busiest repayment over the past few days. (/ SUN Jia LIU Zhi-fei Wang Dan)

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