1. Differences in bank mortgage system adjustments. "In order to facilitate customer repayment," the bank will keep the monthly payment in January of the following year consistent with December of the previous year.

Take Mr. Wang, a bank customer, as an example. The mortgage loan he took out in July 2011 had two interest rate cuts in 2012, but his monthly payment in January 2013 was still the previous 1,641 yuan. It's just that the "meaning" represented by the same monthly payment figure is different. The monthly payment in January paid off more principal and less interest.

2. "Interest calculation" for New Year's Eve, monthly payment will not decrease but increase. A bank customer adopts the equal-amount principal repayment method, and the repayment date is the 6th of each month. The monthly payment calculation method for January is as follows: the original interest rate will be used from December 6th to December 31st, and the new interest rate will be used from January 1st to 5th, with a maximum of 31 days.

In the past, the monthly payment was calculated directly based on the monthly interest rate (30 days), which resulted in "one more" day of interest in January next year than in December this year. If the interest for this extra day is greater than the interest forfeit due to the interest rate cut in the five days from the 1st to the 5th, then there will be a very special situation where the monthly payment in January next year will increase instead of decrease.

3. The old "house slaves" adjust their interest rates at different times. In addition to adjusting the interest rate based on the "January 1st of the following year" principle, some banks also stipulate in the mortgage contract that adjustments will be made within one year (or half a year), next month, quarterly, and other other methods.

For example, if the "year, month, day" principle is adopted, then for a loan you took out in June this year, you will have to wait until June 2015 to implement the new interest rate. Extended information

Due to differences in the adjustment methods of bank mortgage systems, and the mortgage repayment in January next year is special, you will encounter "segmented interest calculation" for monthly payments across the years. Therefore, despite the interest rate cut, in January next year However, there may be a special situation where the monthly payment increases instead of falling.

A comparison of the loans obtained by two customers under the same circumstances before and after the interest rate cut. For those old "housing slaves" who took out mortgages before the interest rate cut and whose loans have not yet been paid off, their monthly mortgage loans after the interest rate cut. The payment is calculated through a professional mortgage calculator, deducting the portion of the principal that has been repaid before.

At present, most banks implement the "adjustment on January 1 of the following year" principle for old mortgage loan customers. When the central bank's benchmark interest rate changes, the latest interest rate will be implemented on "January 1 of the following year".

After the central bank cut interest rates, the mortgage market in second- and third-tier cities was collectively loosened, mainly because mortgage interest rates were previously high.

Ifeng.com-Although the central bank cuts interest rates, monthly mortgage payments may not fall in January next year