January 1 next year, the old mortgage customers will be held this year for five consecutive increase in mortgage interest rates increase the pressure. However, not only to increase the pressure on mortgage banking, fixed-rate mortgage business are pursued led to the design of banks and mortgage financing products linked to "Shengfengqishi."
According to estimates, if the beginning of this year, 500,000 yuan for the 20 loans, raising interest rates five consecutive times after January 1 next year, customers, for the commitment from the current 3,529 yuan to 3,774 yuan, almost a year 3000 yuan, or nearly 8 percent.
According to Shenzhen Development introduced recently for "touch-loan-to-deposit", "Mortgage credit card" and other business customers than ever before significant growth. The Industrial Bank launched the "mortgage-interest rates," a product, launched only a half months to complete the plan to raise rates.
According to reports, "arrived in loan-to-deposit", "Mortgage credit card" products, such as the mode of operation is that for people in the mortgage, through a new account or apply for credit cards and loans associated with the banks to financial accounts in accordance with the daily balance of deposits, Integral and the return of consumer loan principal balance of association, according to the agreement agreed to pay some of the fiscal revenue, offset part of the loan. "Mortgage-interest rates" as a first class financial products liability, it will be more innovative in a long period of exchange-rate mortgage financing products embedded business, and investment income to offset some mortgage interest payments, the highest annual offset Of not more than 3 percent.
Prepayments is not the most sensible choice
For mortgage customers, attention will be confined to the prepayments is not the most wise choice, according to financial theory, in the era of high CPI, if the GDP growth rate over the existing level of interest rates banks, the proper use of bank loans is a reasonable choice .
Although the mortgage and related financial products showed prosperity, but the product itself still need improvement. Such as "loan-to-deposit charge", "Mortgage credit card" is still not fully mobilize all customers idle assets, to offset the loan balance limited. "Mortgage rates treasure" in the interest rate swaps to the financial products linked to the subject of the U.S. dollar and the current mortgage customers face the biggest risk is the RMB interest rate changes. Therefore, the bank loans to households cultivate a mature financial market, there are still many areas for improvement.
According to estimates, if the beginning of this year, 500,000 yuan for the 20 loans, raising interest rates five consecutive times after January 1 next year, customers, for the commitment from the current 3,529 yuan to 3,774 yuan, almost a year 3000 yuan, or nearly 8 percent.
According to Shenzhen Development introduced recently for "touch-loan-to-deposit", "Mortgage credit card" and other business customers than ever before significant growth. The Industrial Bank launched the "mortgage-interest rates," a product, launched only a half months to complete the plan to raise rates.
According to reports, "arrived in loan-to-deposit", "Mortgage credit card" products, such as the mode of operation is that for people in the mortgage, through a new account or apply for credit cards and loans associated with the banks to financial accounts in accordance with the daily balance of deposits, Integral and the return of consumer loan principal balance of association, according to the agreement agreed to pay some of the fiscal revenue, offset part of the loan. "Mortgage-interest rates" as a first class financial products liability, it will be more innovative in a long period of exchange-rate mortgage financing products embedded business, and investment income to offset some mortgage interest payments, the highest annual offset Of not more than 3 percent.
Prepayments is not the most sensible choice
For mortgage customers, attention will be confined to the prepayments is not the most wise choice, according to financial theory, in the era of high CPI, if the GDP growth rate over the existing level of interest rates banks, the proper use of bank loans is a reasonable choice .
Although the mortgage and related financial products showed prosperity, but the product itself still need improvement. Such as "loan-to-deposit charge", "Mortgage credit card" is still not fully mobilize all customers idle assets, to offset the loan balance limited. "Mortgage rates treasure" in the interest rate swaps to the financial products linked to the subject of the U.S. dollar and the current mortgage customers face the biggest risk is the RMB interest rate changes. Therefore, the bank loans to households cultivate a mature financial market, there are still many areas for improvement.
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