Why is the climax of "repaying loans in advance" coming again?

I think it is a normal performance, and there are rules to follow. Because as long as the mortgage interest rate is higher than the financial interest rate, as long as the house price is still falling, residents expect the house price to fall, and the motivation to repay the loan in advance will always exist. Recently, "repaying the loan in advance" has set off a climax. A friend told me that he recently issued a year-end bonus and planned to repay the mortgage in advance. I didn't expect the mobile banking APP to directly close the function of applying for early repayment.

Some banks can apply for this function on mobile phones, but the number released is very small, and every day they click in, they are fully booked. To go to the counter, there are either fewer windows or queues for hours. Even if you make an appointment, you have to wait 2-3 months. In addition, owing on the loan in advance generally requires payment of liquidated damages. In fact, the wave of prepayment runs through 2022. At the beginning of 2023, why did "repaying the loan in advance" set off another climax? On the one hand, from 2022 to now, although the mortgage interest rate has dropped by about 1 percentage point, the interest rate is still very high for ordinary people. The interest rate of most mortgages that have been issued is around 5%.

Especially 20 16-202 1, the commercial housing market was running at a high level, and the mortgage interest rate at that time was generally above 5%. The problem is that the interest rates of deposits and guaranteed financial management are generally lower than 3%. For example, the interest rate of a five-year time deposit is generally 1.5% (lump sum deposit and withdrawal) -3% (lump sum deposit and withdrawal). Monetary funds with previous earnings higher than deposits will have earnings lower than deposit interest rates in 2022.

In the eyes of ordinary people, bank financing has always been risk-free, but now it fluctuates greatly and even has negative returns. Asset management products with relatively high returns also experienced a continuous loss of principal in 2022. No comparison, no harm. In this way, the mortgage interest rate is very high. Since it can't be changed, let's face it frankly. There is really no other good way to deal with it. It's better to accept it yourself and open it yourself. It's no big deal!