subject: Bank Of China To Improve The Stock Of The Old Mortgage-mortgage Rate Rose For The Month - The [print this page] Bank loans to buy a house already in the public these days is estimated to worry about.
Bank headquarters last Friday issued a prime mortgages since the New Deal's most stringent rules, first announced increases in the stock of mortgage rates, mortgage interest rate concessions to the old New Deal mortgage line. Which, for the first set, two sets of three suites and above the mortgage interest rate adjustment formula in the maturity adjusted to 0.85 times the benchmark interest rate, 1.1 times and 1.2 times. At present, the first suite, and most of the old Bank of China to improve the type of housing mortgage customers are enjoying the preferential mortgage rates seven fold, such as Click to adjust the interest rate is likely to improve the type customers direct jump from 7 to 1.1 times off, repayment will be increased significantly.
Instance, loans to 500,020 years, and enjoy discount rates 7 3072 yuan monthly repayment amount, if the change of 8.5 fold, the monthly repayment amount will rise to 3,313 yuan, more than 7 fold is also close to 60 thousand yuan . If the rose to 1.1 times the monthly repayment amount will rise to 3,737 yuan, more than has nearly 160 thousand yuan. Second, I learned from Bank, Guangdong Branch, Bank of China headquarters has not issued a specific implementation details. An insider of the author, said Bank of China, to raise interest rates mortgage current stock of the implementation of their own not sure.
Bank insider: do not know how to adjust
Bank of China Head Office 23 in its official Web site said the contract with the customer according to the agreed maturity in the way of interest rate adjustments will stock the first set, double bill, more than three and floating mortgage rates ratio adjusted to the benchmark rate of 0.85 times, 1.1 times and 1.2 times. Bank of China, Zhao Rong, director of the Office
In an interview, said that many banks have yet to adjust the "stock" mortgage loans, but the bank's policy of the State Council have a better understanding of the structure so the first adjustment loan. The Bank and the client signed the mortgage loans, generally once every two years to assess the interest rate mode. With the first suite, for example, if the contract last year, will expire next year, to adjust interest rates means that the upward adjustment of benchmark interest rate seven fold to 8.5 fold. 2 suites and 3 suites are adjusted for the 1.1-fold and 1.2-fold.
Bank mortgage contract, usually on the interest rate adjustment to make the agreement: six months or a year and a tune, or even some are adjusted on January 1, which by the customer to decide. I get a mortgage contract, the Bank of China, the contract states: "more than one year term of the loan in case of statutory interest rate adjustment, the interest rate under the contract in December to implement certain, that since the loan is for 12 months after each , according to the corresponding grade at the statutory benchmark lending interest rate adjusted, and thus determine the new monthly payments. "" In the performance of the contract period, the case of People's Bank adjust the interest rate or interest-bearing means, the interest rate under the contract or bearing method that is adjusted, the adjustment without special notice to Party B
