The impact of RMB depreciation on loans: First of all, domestic banks are mostly exposed to net assets, and depreciation may bring exchange gains.

Secondly, the mismatch of monetary assets and liabilities is limited, and assets only account for a small part of the total assets of banks, so the positive impact of a small depreciation of RMB can be ignored.

Third, the expansion of exchange rate fluctuations will bring greater development potential for foreign exchange derivatives, which will be translated into an increase in trading income, provided that domestic banks can control foreign exchange risks. However, in the near future, considering the professional experience of domestic banks in the foreign exchange market and the limited types of RMB hedging products, the income generated by foreign exchange derivatives is still limited.

Fourth, domestic loans were about $92 1 billion, accounting for 6% of the total bank loans as of June 30, 200015. Under the expectation of RMB depreciation, the demand for loans declined. In June-July,/kloc-0 only increased loans by 30 billion RMB, far lower than the 446 billion RMB in the same period last year. The impact of loan decline on loan growth and total social financing should be limited.

Generally speaking, we believe that the direct impact of RMB depreciation of 2-5% on the performance of domestic banks is limited. In view of the limit control of capital outflow and the support of the central bank, the liquidity risk of China banking industry will be controlled.

What is the impact of RMB depreciation on bank mortgage interest rates?

Hello, if the RMB depreciates, the currency of bank loans will also shrink when it depreciates, for example, 200,000 yuan, which means that the purchasing power of 200,000 yuan after depreciation is not as strong as when you apply for a loan. The real value of RMB means that the economic situation is not very stable, and the corresponding interest rate will be adjusted, but the adjustment range is based on the economic situation at that time, and the adjustment of interest rate is based on the economic situation. It won't have much impact on your mortgage.

RMB depreciation, is the monthly mortgage payment rising or ranking rising?

When the RMB depreciates, the mortgage will generally fall.

The general situation of RMB depreciation is inflation and rising prices. RMB depreciation can be divided into internal depreciation and international exchange rate depreciation against the US dollar. Currency value is manifested in the ability to exchange with foreign currency, which is embodied in the change of exchange rate. At this time, currency devaluation means that the ability of a unit's domestic currency to exchange foreign currency decreases, while the foreign exchange rate of its domestic currency decreases.

Exchange rate instruments are often used to adjust a country's balance of payments imbalance. Governments all want to use exchange rate tools to restore unbalanced international payments, especially when a country's international payments are in deficit, using the strategy of depreciation of local currency. It is hoped that through the devaluation of the local currency, on the one hand, the price of domestic export commodities will be reduced, and the price competitiveness of domestic export commodities in the international market will be enhanced, thus promoting exports and increasing exports. The devaluation of RMB means that the purchasing power of RMB in China is reduced. This means that the RMB is becoming less and less valuable at home. Price stability is one of the four macroeconomic goals.

If the currency suddenly depreciates rapidly, should the bank loan owed before be repaid in advance?

It depends on how quickly you can depreciate. If the devaluation is as rapid as Zimbabwe's, any paper money is worth trillions of dollars, and your mortgage is not enough for hundreds of thousands or more than one million yuan. What's the entanglement? Wave your hand and give one to the bank, and the rest as a tip. It's so generous!

Of course, if a country really reaches that level, it will be one step away from national subjugation. There is no need to worry about the mortgage, but there are more things to worry about. Basically, it can be said that the people are living in poverty, and it is good to have enough to eat.

For the general currency depreciation, whether the mortgage should be repaid in advance depends on the actual situation. In the long run, currency depreciation is inevitable, and no country or economy can avoid currency depreciation, which is also the inevitable law of economic development. Economists theoretically believe that slight inflation is beneficial to economic development. In a healthy economy, the currency is depreciating, the economy is developing, and the income of ordinary people is also increasing. This is a very normal natural law.

For people with mortgages, the longest loan period can reach 30 years. According to the current rate of currency depreciation, it will basically double in ten years. Ten years ago, a mortgage of 3000 yuan a month may be very stressful, and it may account for a small proportion of personal income ten years later.

If you have accumulated a large sum of money in your hand, and there is no investment and wealth management project with high return rate, simply deposit the money in the bank to pay interest, then you might as well repay the loan in advance. After all, according to the current interest level, the deposit interest is around 2%, and the bank mortgage interest exceeds 5%. It is definitely appropriate to repay the mortgage in advance.

If you have a good project, the rate of return far exceeds the mortgage interest, then it is more appropriate to invest money. Of course, the premise of repaying the loan in advance is that you have enough money and reserve enough money to prevent all the money from being used to repay the loan in advance. If there are changes at home, it is really impossible to call every day, which is really invalid.

It doesn't matter how much the currency depreciates for banks. Banking is a sure-fire business. As long as bad debts are well controlled, banks can make money. After all, what the bank lends you is not its own money, but the depositor's money, and the loan interest is always far greater than the deposit interest. Just look at the Fortune 500 companies in China, and those banks will always make the most money.

I was thinking about a problem before, for example, I owe the bank 1 10,000 now, and it will be phased in 30 years. After 10, it is easy to earn 1 10,000. Will the money owed to the bank be the same as the money signed with the bank 10 years ago?

Currency depreciation is the appreciation of fixed assets, just like when you borrowed money to buy a house more than ten years ago, you found it difficult to pay back 2000 yuan a month. Do you still find it difficult to pay back 2000 yuan a month? Currency depreciation means that your income is increasing and your fixed assets are appreciating. In fact, the bank loans you owed before are all earned from the perspective of inflation under the condition of constant interest rate. Don't repay them in advance (except those with high interest rate).

Paying back the money in advance is not your own business, but banks will not ask customers to pay back the money in advance or later because of the appreciation and depreciation of the currency.

It should be in accordance with the loan contract!

Devaluation and appreciation have little to do with the money you owe the bank. You don't owe it.