According to the data of the central bank, in June 5438+065438+ 10, the medium and long-term loans of households increased by 327.8 billion yuan, which was significantly higher than that in June 5438+0998 billion yuan, and was also significantly higher than that in the same period last year. Wang Tao, chief economist of UBS Securities in China, believes that this may indicate that with the recovery of real estate sales, residential mortgage loans have also increased rapidly.
This year, the central bank cut interest rates five times in March, May, June, August and June. Friends who are ready to buy a house and apply for a mortgage after June 24, 654381can calculate according to the latest interest rate of 4.9% (5 to 30 years). The benchmark interest rate dropped from 6. 15% in March to 4.9%, a decrease of 20%. As for the provident fund, the interest rate of individual housing provident fund loans was not adjusted during the interest rate cut on1October 24, 65438. The interest rate of individual housing provident fund loans for five years or more has been lowered four times this year, from 4.25% at the beginning of the year to 3.25% at present.
However, according to the bank contract, there are not many buyers who have already enjoyed the interest rate cut, and most buyers still pay the principal and interest according to the established contract. At present, in the case of interest rate reduction or interest rate increase, there are three ways to adjust the mortgage interest rate of banks. One is the adjustment for next year. After the bank's interest rate is adjusted, the new interest rate will be implemented on June 65438+ 10/in the following year. One is annual adjustment, that is, the interest rate will be adjusted one year after the date of the lender's loan; One is the next month's interest rate adjustment, that is, the new interest rate level will be implemented in the next month after the interest rate adjustment. At present, most banks have agreed that the adjustment will take effect in the following year, so most people's monthly payments will start to decline from 5,438+10 next June.
According to the latest mortgage interest rate, taking a 20-year mortgage loan of 6,543,800 yuan as an example, according to the repayment method of equal principal and interest, the total interest that buyers need to pay is 570,000 yuan, and the monthly payment is 6,544 yuan; And if calculated according to the interest rate of 6. 15% before five interest rate cuts, buyers always need to pay 740,000 yuan of interest, and the monthly payment is 725 1 yuan. In other words, starting from next year, buyers will reduce their burden by 707 yuan per month.
Bankers remind that for customers who use equal principal and interest repayment, the monthly payment in 2065438+2006 65438+ 10 may be more, because it is necessary to re-segment interest. For example, 20 16 1.05 is the repayment date, and the interest from 20 15 12 16 to 12 3 1 5 shall be calculated according to 20 15.
According to the equal principal and interest repayment method, under the condition that the monthly repayment amount is unchanged, because the interest to be repaid in 20 16 years is reduced, the principal naturally rises, and the reduced interest is offset by the increased principal, so the extra money is actually the overpaid principal. After February, the monthly supply will return to normal, which will be lower than that in 20 15 years. Therefore, bankers reminded that before the repayment date of 20 16, 1, more principal should be deposited for repayment.
(The above answers were published on 2015-12-15. Please refer to the actual situation for the current purchase policy. )
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