2012-2013 year 500 preferred brand evaluation starts
Figure / IC
2012 年 6 8 May and July 6, the central bank cut interest rates
twice, but the majority of customers monthly mortgage repayments did not
synchronize reduced because most banks to adopt a "next year January 1
since the implementation of "policy.
From the beginning of this month, "cuts red" began to focus on
payment. Where in the June 8, 2012 approved the "old mortgage", can
enjoy two cuts "results." It is estimated that 500,000 loan term of 20
years in equal installments of principal and interest repayment, "the
old mortgage" for example, every month for the month will be reduced by
148.92 yuan. Changsha newspaper correspondent reported Bu Ang
lending rate fell more than 5 years 6.55%
2012 after twice cut interest rates, the first suite of more than
5 years the loan down to 6.55% per annum from the original 7.05
percent.
It is understood that the benchmark interest rate adjustments,
changes in bank lending in three ways: one is the annual interest rate
adjustment, the interest rate cuts from January 1 next year run from One
is the full year adjustment that each full year of repayment, adjust
implementation of the new rates third is the "case of changes in central
bank interest rates run from next month onwards," which is a monthly
interest rate adjustment, do that from the month after the interest rate
adjustment.
currently include China Construction Bank, ICBC and other big
firms, including the majority of state-owned commercial banks, are
executed is the first interest rate adjustment mode.
So from this month, the "cuts red envelope" to honor the monthly burden for months how much it can actually be?
Changsha branch of China Merchants Bank, the Ministry of Consumer
Credit Liu Shuo to reporters calculations, 500,000 loan term of 20
years in equal installments of principal and interest payments, for
example, if it is the first suite of mortgage, the original loan
interest rate is the benchmark interest rate 7.05 % for the month was
3,891.52 yuan per month, after the current benchmark interest rate was
6.55% for the month of 3742.6 yuan per month, this month for reducing
148.92 yuan per month.
"old mortgage" focus on reducing the burden
"The main burden is to focus on the old mortgage, the new
mortgage is already interest rate cuts by the new executive of the."
Yesterday, located in Changsha Houjiatang of a CCB outlets, a mortgage
before the Ombudsman, told reporters that the current CCB rate mortgage
loans in the implementation of the contract is in force in accordance
with the interest rate as a benchmark, so this month will be primarily
focused on reducing the burden of the old mortgage.
For customers in the last year between June 8-July 6 in effect,
you can enjoy a good second rate cut. For the last year after July 6
mortgage customers, its interest-rate cuts after the standard way
already, does not appear to reduce the repayment amount.
housing loans as a channel to another, Changsha City, Hunan
Province, and the housing fund management center has since New Year's
Day, the implementation of the new level of interest rates after two
rate cuts.
reporters yesterday Login Changsha City Housing Fund Management
Center Web site found from the housing fund loan interest rate from 1
January 2013 to adjust: the first suite 1-5 year interest rate raised to
4.00% 6 to The 30-year interest rate raised to 4.50%.
burden may exist "time difference"
"all the old mortgage, thrent house beijinge
interest rate cut if all according to the repayment, then they should
have to wait until February, because our bill is 15 days in advance
repayment has been generated, but basically this month also The last
month of the loan principal and interest. "above CCB staff told
reporters that the old mortgage interest rate adjustments execution,
taken by day interest-bearing mode, and generate early repayment bill
next month.
The staff told reporters
For example, if the mortgage deduction
on the 10th day of each month, then in January of this year repayment
bill is around December 25 last year, has been formed. In this chouse for rent in beijingase, the mortgage interest rate cut is still before the standard.
The staff also reminded the mortgage interest rate adjustments,
there are differences in the details of the banks practice "for
repayment of the people, it is best to check where the bank or banks
online banking login and call Customer Service hotline for specific
knowledge, do not rush to reduce your repayment amount stored, in order
to avoid the formation of bad record of repayment overdue. "
current benchmark deposit and lending rates
an urban and rural residents and Deposits
demand deposits 0.35
fixed deposit
months 2.60
half 2.80
year 3.00
3.75 years
4.25 years
4.75 years
Second, the loan
Six 5.60
year 6.00
one to three years 6.15
three to five years 6.40
more than five years 6.55
thrbeijing house rentee individual housing provident fund loans
five 4.00
more than five years 4.50
