How to calculate the interest rate of 20 12 mortgage?

Since last year, the central bank has raised the loan interest rate three times in a row, which means that many mortgage customers need to "pay the bill" for the interest rate increase of 20 12. The reporter learned from a number of banks that in the current high inflation environment, fewer and fewer people repay the loan in advance, and people seem to be more calm about paying back the money first. "Being rich now means making money, and saving money means losing money," concluded a citizen. Moreover, financial experts do not recommend that citizens repay in advance. Although the new one-year interest rate will be in by going up one flight of stairs, people who plan to repay in advance still have to look at their own situation, especially the old customers who have already enjoyed the preferential conditions of 30% interest rate, so they don't have to rush to repay. The mortgage interest rate of 20 12 is 7.05%. Last year, the central bank raised interest rates three times (February 9, 2065438 +0 1, April 6, 2065438 +0 1, July 7) because most mortgage interest rates. The interest burden faced by mortgage customers is increasing. The personal loan staff of the bank calculated an account for the reporter. Take the loan of 400,000 yuan with a term of 20 years as an example. At present, it is repaid at the interest rate of 6.40%, and the principal and interest are repaid at 2958.79 yuan per month. Will be recalculated according to the interest rate of 7.05% in 2065, 438+2002, 1.3. In contrast, the monthly interest will be more 14838+0 yuan. However, despite the obvious increase in the burden, the reporter consulted a number of banks and found that not many people went to the bank in advance to consult or actually handle the loan repayment business. A person in charge of a state-owned bank told the reporter that not many people went to the bank to consult for early repayment. "Like our branch at this time last year, there were tens of billions of mortgage repayments, and now it has only reached more than 8 billion. Instead of increasing, it has decreased by more than 10%. " The 30% discount and the reduction of cases of "upside down" and "early repayment" of deposit interest rates are closely related to the current high inflation environment. The preferential conditions enjoyed by old customers make many old customers not give up easily. A bank staff member said that for some "old mortgage owners" who have repaid their loans for several years, most of them enjoyed certain loan concessions when they signed loan contracts with banks at that time. For example, a customer agreed to enjoy a 30% discount when signing a loan contract before, so even after 20 1 1 three interest rate hikes, the interest rate for loans over five years is 7.05%, but the interest rate after the discount is 4.935%, which is still lower than the current interest rate of 5.5% for five-year time deposits. The staff said that this is equivalent to customers taking advantage of the bank. If the same money is deposited in the bank, the interest received will be higher than the interest paid by the loan. The reporter calculated an account. Loan 1 ten thousand, 20 years, the loan interest rate of 20 1 1 year is 6.4%×70%=4.48%, and the monthly repayment is 63 15 yuan, while the loan interest rate of 20 12 years is 7.05%. Although more money has been paid back, it is getting harder and harder to get a loan from the bank. At present, the interest rate of home buyers should rise at least 10%-20%, and the loan cost is getting higher and higher. "Therefore, if the money has a place to go, citizens will not be so keen to repay the loan in advance," said one banker. If there is no discount, you can repay the loan in advance. "The year before last, when I bought a house with a loan, I enjoyed the benchmark interest rate of 6.4%, but at 20 1 1, the central bank raised interest rates three times in a row. Starting from 20 12, my mortgage interest rate will become 7.05%, and the monthly interest will increase by 386 yuan, and the extra interest will exceed 90,000 yuan. " Ms. Xie, a citizen, is considering whether to repay the loan in advance. Bankers suggest that for customers who don't enjoy any preferential interest rate, the monthly payment is indeed quite a lot. If you do have a lot of idle funds on hand and there is no investment income exceeding the benchmark interest rate of mortgage, you can consider repaying the loan in advance. What is the mortgage interest rate of 20 12? The mortgage interest rate will be raised from 65438+1 in October next year, and the benchmark interest rate for commercial mortgages with a term of more than five years will reach 7.05%. However, the reporter visited the major banks in Guangzhou and learned that at present, customers who repay loans in advance are not the mainstream, but some buyers who do not enjoy preferential interest rates and are in urgent need of "redemption" have chosen to repay loans in advance. The reporter also learned that the loan quotas of major state-owned banks in Guangzhou are slightly more abundant than before 10, but some banks still implement the policy of floating the interest rate of the first home loan 10%, but some banks also said that the floating standard should be based on the personal situation of customers. It is predicted that the easing of funds in the banking market will need to wait until after the first quarter of 20 12. After 65438+ 10/month 1 next year, the mortgage interest rate will be based on the latest interest rate, and the benchmark interest rate of commercial mortgage loans with a term of more than five years will reach 7.05%. Should we inform the bank to prepare for early repayment? The reporter saw in a large state-owned bank on Tianhe East Road that many customers came to consult the policy of real estate loan ratio next year. Although the mortgage interest rate will rise sharply from next year, at present, customers who repay in advance by banks do not occupy the mainstream. The president of the branch told reporters that there are two kinds of customers who repay real estate loans in advance. "Banks don't accept remortgage. For customers who urgently need to settle the loan mantissa and redeem the deed, they will generally repay the loan in advance. Some customers who do not enjoy preferential interest rates will also repay their loans if they have sufficient funds at hand. " The bank president said. The reporter visited other banks and learned that at present, customers who repay loans in advance are less than 200,000 yuan, and customers with higher mortgage quotas will not make this choice. "Because of the high cost of capital in the current market, it is not a good investment choice to use this part of the funds to repay the loan if the amount of the final payment of the mortgage is large." What is the interest rate of 20 12 mortgage? 20 1 1, the national real estate market is struggling to grow in an all-round restrictive environment. The central bank raised interest rates three times and the deposit reserve ratio six times. The tightening of credit has led to the overall slowdown of the real estate industry; According to the 20 1 1 annual report of Zhongyuan Real Estate, in 20 1 1 year, more than 120 cities in China issued price control targets, 46 large and medium-sized cities issued "purchase restriction orders" and 10 cities issued mandatory "restrictions" on real estate. Various restrictions such as "price limit", "purchase restriction" and "loan restriction" have completely blocked the circulation of the real estate market. Facing the 20 12 real estate market, what do we expect? 20 12 grasp the overall situation first. With the stabilization of macroeconomic situation and the fall of inflation, what prospect will the real estate market usher in? Liu Yuan, an analyst of Zhongyuan Real Estate, said in a financial interview with China Business News that the market should grow steadily in 20 12 years, and the market will still grow, but this growth is definitely limited. Liu Yuan thinks: "The macro-control environment of 20 12 will continue, but the growth mainly depends on two factors. From a national perspective, developed cities and key markets are mainly affected by regulation, but now the top 30 cities only account for about 30% of the national residential sales. The main force of the market is still in developing second and third tier cities, accounting for 70% of the market. They have not been affected by the purchase restriction policy, and their demand has maintained a relatively stable growth so far. " 2 1 Century Real Estate China Headquarters Marketing Department Research Director Chang Zhi also said in an interview with this newspaper that there may be fine-tuning of policies in 20 12, and the main line of regulation and control has not changed, but the loan and support for the first home owners may be adjusted accordingly with the easing of credit liquidity in 20 12. Chang Zhi thinks: "The purchase restriction is liberalized according to the market conditions in individual regions, such as five to two or three years. So the turnover should go up. The first-hand room depends on the area. " Individuals should choose when to buy a house and what kind of house to choose when the market is in the adjustment stage, which is also a problem that needs to be considered. First-hand house, second-hand house or school district house? When the economy is depressed, money should be spent not only on the cutting edge, but also at the right time. Liu Yuan believes that people who need to buy a house can look at the house first, and as for the decision, they can do it while watching. "Now individuals can buy a house. Whether it is a new house or a second-hand house, buyers will have two or three months from choice to decision. Now the market is relatively dull, with many price cuts and many choices. Once the market has fine-tuned policies and rebounded transactions, this is a better time to start. " Liu Yuan reminded that the market price of new houses is still the developer's pricing, mainly depending on the developer's quotation. The choice of the second-hand market is relatively large, and there are second-hand housing transactions in various regions. If the buyer thinks that the price can be reduced in the future, he can ask the intermediary to reduce 10% or 20% and let the intermediary find it. At this time, it is more likely to buy low-priced houses, because there are relatively few people competing. On the contrary, when the market is good, more buyers and sellers may raise prices. According to the needs of different buyers, Chang Zhi thinks there are several factors to consider. Chang Zhi suggested that people interested in buying second-hand houses should pay attention to the market. "Second-hand housing owners will throw their houses out at any time according to their own economic conditions, because they may emigrate or need money urgently. They may adjust the transaction price to 20% below the listing price, and the discount for second-hand houses may be 20%. We have seen such a situation recently. The new houses are mainly in remote areas. If you can meet the preferential treatment of second-hand housing owners, it is now or never. " How to calculate the mortgage interest rate? 20 1 1 In the second half of the year, the interest rate of the first home loan increased to 1. 1 times, and the tight money supply brought many troubles to some buyers. In addition, the central bank has raised interest rates many times, and the pressure on mortgage borrowers is increasing. Will this situation be alleviated on 20 12? Chang Zhi is optimistic about this. He believes that the interest rate of the first home loan is likely to be adjusted back to the benchmark interest rate, or even 10% off, depending on whether the bank loanable funds is sufficient. Chang Zhi explained: "In the second half of 20 1 1, the interest rate of the first suite of the bank was adjusted to 1. 1 time, but it was not entirely aimed at real estate regulation, but also because the bank's own funds were relatively tight. With the liberalization of 20 12 liquidity, bank interest rates may also fall. This is also in line with the government's main line of' encouraging self-occupation and curbing speculation'. " In addition, Liu Yuan believes that the decisive factor of mortgage interest rate is not only the real estate market, but also the macro environment, and the impact of interest rate itself on the market is not obvious. Liu Yuan analyzed: "When the real estate market rose at a high level, such as in 2004, 2005 and 2007, interest rates also kept rising at a high speed, but it did not affect consumers' enthusiasm for buying houses. On the contrary, when the market is not very good, people will not start buying houses because of the drop in interest rates. Whether to buy a house or not depends mainly on everyone's expectations of the future economy. "I believe you already know the interest rate of 20 12 mortgage, right? What is the interest rate of 20 12 mortgage?

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