First of all, if banks reduce the existing mortgage interest rates, the repayment pressure of customers will be reduced, so the necessity of repaying loans in advance will be reduced. At this point, customers can consider using the remaining funds for other investments or consumption to obtain higher returns.

In particular, the current "active stock market" has become a kind of consciousness, and the capital market is also showing signs of gradual recovery, which will alleviate the phenomenon of long queues for early mortgage repayment, and even the wind may change. Those who originally wanted to repay the mortgage in advance canceled the plan of prepayment, turned to investment and wealth management, or used idle funds to improve their quality of life.

Secondly, when customers decide whether to repay the loan in advance, they also need to consider their personal economic situation and future planning. If the customer may have other urgent capital needs or better investment opportunities in the future, repaying the loan in advance may not be the best choice. However, if the customer's economic situation is stable and there is no more urgent capital demand in the future planning, it is a wise choice to repay the loan in advance.

The attitude of the state to the interest rate of stock mortgage loan;

Since the second half of 2023, the central bank has made two statements to reduce the existing mortgage interest rate. The first sound was made in July 14. Zou Lan, director of the monetary policy department of the central bank, said at the press conference of the State Council Office that in accordance with the principles of marketization and rule of law, commercial banks and borrowers should be supported and encouraged to negotiate independently to change contracts or issue new loans to replace existing loans.

Then, in August of 1, at the working meeting of the second half of 2023 held by the People's Bank of China and the State Administration of Foreign Exchange, the People's Bank of China requested that the differentiated housing credit policy be implemented accurately according to the city, and the interest rate of individual housing loans and the down payment ratio should continue to be guided downward, so as to better meet the rigid and improved housing needs of residents and guide commercial banks to adjust the existing individual housing loan interest rate in an orderly manner according to law.