While launching the preferential interest rate of the first home loan interest rate in many places, early repayment has also become another hot topic.
In fact, since the end of last year, the repayment of loans in advance has frequently appeared on the hot search list.Many borrowers choose to repay the loan in advance, but the bank notifys that they need to line up, and some even need to wait for a few months.
This phenomenon has attracted the attention of the Economic Daily. Related articles point out that behind the loan fever in advance is that the spread between some existing mortgages and new mortgages is too large. It is recommended that relevant departments to speed up related measures and guide banks to reduce the existing stock moderatelyThe mortgage interest rate gradually narrows the spread between the stock loan and the new mortgage, and further reduce the burden on housing consumers.
The spread between the traders and the new mortgage mortgage should be fully concerned and resolved. The key is to promote the market -oriented reform of interest rates.
From the perspective of the lender, the reason for choosing to repay the loan in advance is actually very simple mdash; mdash; not cost -effective.In the past, the interest rate of mortgages basically belonged to the guarantee option. In contrast, the funds were in their hands, and the investment opportunities were greater.However, the bond market in November last year fluctuated, and the net value of low -risk bond products that were considered stable and non -compensation in the past, a sharp decline in the net value of low -risk bond products.In addition, due to factors such as the epidemic, some residents' income is unstable, and the expectations of future expectations will be unclear, and they will reduce the pressure on loan repayment by paying repayment in advance.
On the other hand, the interest on the mortgage is still stable at high positions.Especially for the buyers who loans when the housing loan interest rate is the highest in previous years, their funding leverage is undoubtedly facing the imbalance of interest rates.At present, the interest rate of the first home loan in some places has been as low as 3.8%. Compared with the 5%to 6%mortgage interest rates compared to the previous few years, the loan lender feels unbalanced and prompts it to repay the loan in advance.
In recent years, the decision -making layer has launched a series of reform measures for market -oriented interest rates.In August 2020, a number of state -owned banks announced that personal housing loans within the scope of batch conversion were uniformly adjusted to LPR (loan market quotation interest rate) pricing method in accordance with relevant rules.This dynamic adjustment mechanism enables the mortgage interest rate to be adjusted with changes in the market environment.
However, due to the influence of the additional computing mechanism and multiple factors, relative to the decline in the interest rate of the first house, the adjustment of the LPR adjustment is obviously relatively limited.Consumer burden.
At present, it is at a critical point of economic recovery. The savings of the private sector into consumption and expand investment, instead of paying in advance, require more supporting policies to support guidance.At present, the aquatic loan heat is paid in advance, providing a window of policy adjustment Mdash; MDASH; the pace of interest rate marketization reform needs to be further accelerated.
The long -term loan, including housing loan itself, is an important indicator of expectations and confidence.Promoting the market -oriented reform of interest rates can not only help realize the desire of the residents to have their houses, but also can also use the catfish effect, revitalize the current economy, and enhance consumption and investment confidence.
