The difference between a homeowner before and after mortgage transfer 1200 yuan.
A property buyer in Shenyang spent 700,000 yuan to buy a house of 100 square meter. At that time, the mortgage interest rate was 65,438+00% higher than the benchmark interest rate. In this way, even if the interest rate falls, the loan will still rise 10% to pay back. Therefore, the property buyers handled the mortgage refinancing, found another bank, and transferred the house to a new bank, so that they could enjoy the preferential interest rate at that time and extend the repayment period. As a result, the monthly payment of this property buyer is worse 1200 yuan.
Some banks can operate "remortgage"
It is understood that refinancing refers to the borrower who has applied for a housing mortgage loan in Bank A, and in order to enjoy a more favorable interest rate, the mortgage he applied for in Bank A is directly transferred to Bank B..
The person in charge of the personal loan department of a bank in Shenyang said that the mortgage-to-mortgage business in Shenyang has recently started to rise, and the consulting business volume has increased significantly. The main reason is that the current mortgage interest rate is lower than that in 2008, and the interest rate discount is even lower. Many banks can get a 10% discount. In 2008, the interest rate did fluctuate, and the interest rates offered by many banks rose by 5%~ 10%, some because of personal credit problems.
According to an insider of the personal loan department of a joint-stock bank in Shenyang, at present, the bank can handle the lending business, that is to say, citizens can transfer to the bank if they feel that the interest rate is high or for other reasons. However, because the mortgage of the loan is in the original bank, the bank needs to settle the original mortgage, and at this time, the original mortgage has not been lifted, which is risky for the bank, so the buyer needs to pay a certain mortgage.
The source said that after transferring to the bank, you can enjoy preferential treatment according to the current mortgage interest rate, and you can also extend the mortgage period, which is equivalent to reducing the burden on buyers.
Once refinancing is prohibited, buyers in this process will be in a dilemma.
Bankers said that although the loan leveling is explicitly prohibited by the regulatory authorities, it does not rule out that some companies claim that the mortgage is "leveled", and the actual operation is to "level" the mortgage as a pure mortgage. The guarantee company said that it can operate this difficult business, and the cost is as high as 5000 yuan.
The reporter's investigation found that the current refinancing needs to be handled "across the bridge". The mortgagor must pay off the loan from the last bank first, and then go to the next bank to mortgage the loan. However, due to the seamless connection between the mortgage processes of the two banks, there is an uncertain time difference between them. In fact, the central bank has already banned refinancing and mortgage increase.
Industry experts said that there are certain policy risks in refinancing. Although the control has been relaxed in recent years, it has not been ordered to release. Some banks are doing it secretly and are in an ambiguous state. Once it is banned, the buyers who are handling it are in a dilemma. At the same time, there will be some expenses for refinancing. If the transferring bank of the mortgage loan has a penalty clause for prepayment, the borrower must pay a certain percentage of the penalty. In addition, real estate appraisal fees, notarization fees and mortgage registration fees may also be charged.
■ Accounting
Buying a million properties pays up to 300,000 more interest than three years ago.
Take Mr Guo as an example. According to the loan he bought at 20 12, 700,000 yuan will be loaned for 20 years. According to the matching principal and interest, it rose by 10% at that time, and it was 5754 yuan per month, which was 1 380,852 yuan in 20 years. And according to the current bank mortgage interest rate, after 10% discount, it will be 4,480 yuan per month, and the total repayment will be 1075 132 yuan. In this way, the monthly repayment difference is 1274 yuan, and the 20-year total interest difference is 305,720 yuan.
At most, it needs to spend nearly 6,543,800 yuan of interest to refinance the mortgage.
Because the repayment part of Mr. Guo's matching principal and interest loan in recent years is mainly interest, the repayment situation of the loan is not considered. The monthly repayment amount before Mr. Guo's loan rises by 10% according to the current interest rate, and the monthly repayment amount is 488 1 yuan. The repayment amount of principal and interest for 20 years is171366. If a 10% discount is given after the mortgage is refinanced, it will still be 4,480 yuan per month, and the repayment principal and interest will be 1075 132 yuan. In this way, the monthly repayment amount is reduced by 40 1 yuan, and the total repayment interest is reduced by 9623 1 yuan.
(The above answers were published on 2015-10-19. Please refer to the actual situation for the current purchase policy. )
Click to view more comprehensive, timely and accurate new house information.