"The bank said we have to wait for the notice. I don't know if the mortgage we applied for is 20% off or can we enjoy the best 30% off interest rate? " Yesterday, Mr. Feng, who asked a bank whether the mortgage was approved, told reporters. In this regard, CCB staff said: CCB has not cancelled or tightened the preferential policy of mortgage interest rate. The person in charge of the credit department of another joint-stock commercial bank said: some citizens called to inquire whether the 30% discount rate was cancelled, but they did not receive the notice from the head office. A person from the personal loan department of CITIC Bank Wuxi Branch said that the mortgage interest rate is 30% off, 1 1 month is estimated to be no problem, and it is hard to say in 65438+February. The mortgage war was filled with smoke. If you cancel the 30% discount on interest rate, how can you find a suitable mortgage variety? As a smart mortgage manager, you won't be helpless.
They will solve the disadvantage of raising interest rates from different new mortgage products provided by many banks. The reporter found that the variety of mortgage loans is dazzling, including direct customers, fixed interest rates, revolving loans, borrowing and repaying loans, etc. According to experts of CCB's financial management, the repayment method of "biweekly mortgage" is the borrower's equal principal and interest repayment, and the repayment period is 14 days, and the repayment amount in each installment is half of the monthly repayment amount. This repayment method is mainly suitable for citizens with stable income who want to achieve the purpose of early repayment by accelerating the repayment frequency. Wuxi Agricultural Bank's personal housing fixed-rate loans and mixed-rate loans can help borrowers avoid the losses caused by interest rate fluctuations to a certain extent when the mortgage interest rate rises, and ensure that borrowers are not affected by interest rate adjustment.
"Individual housing mixed interest rate loan refers to a loan in which the interest rate remains fixed during the initial period of the loan (that is, the fixed interest rate period), and the interest rate execution mode is changed to the traditional floating interest rate after the fixed interest rate period." According to insiders of the Agricultural Bank of China, if a personal housing loan with a fixed interest rate of 5 years or 10 years is provided, that is, the interest rate of the first 5 years or 10 years is fixed, and the interest rate of the remaining loan term after the end of the fixed interest rate period is replaced by a floating interest rate loan. According to a person from the personal loan department of CITIC Bank who initiated the "balloon loan" in Wuxi, the "balloon loan" mortgage loan is a repayment method that repays the loan interest and part of the principal in installments during the loan period, and repays the remaining principal in one lump sum at the end of the period, which has changed the traditional repayment method that calculates the monthly payment according to the loan period.