This year after five interest rate increase, commercial loan-to-the benchmark rate from 6.84 percent in early rose 7.83 percent, or 14.5 percent. Early repayment by the end of the arrival of the peak period, the experts advise: early repayment of course, to save interest payments, but the four categories of purchases were not suitable for early repayment.
Data: January 1, 2007 the benchmark rate for loans to 6.84 percent, and January 1, 2008 start of the implementation of the benchmark rate has reached 7.83 percent, or 14.5 percent. Raising interest rates five times, making for a clear and rising interest rates, in order to save interest on loans and reduce the risk of future interest rate increase, many have Xianqian the loans, intended to advance the end of the year for repayment.
This reporter learned that: Since the end of the repayment ahead of the peak arrival, as the bank recently, the bank loans and other "major", customers will need about a month ahead of time in order for appointment. However, when many people focused on how the loan ahead of schedule for repayment, professional research institutions but told reporters: the following four categories of consumers are not suitable for early repayment.
Financial constraints, the use of the contingency funds or even borrow money to repay the loan ahead of schedule does not fit
For ordinary consumers, housing loans is an important part of their daily expenditure, often for months on revenue of the 30 to 50 percent. Many "The Slave" in loans, the usual entertainment, leisure and other consumer items were forced to reduce or eliminate. Frequent interest rate increase in the cases, part of "The Slave" pressure began to increase, see the advance repayment of other consumer after unthinkingly, the deployment of the future for medical treatment, the children go to school, and other emergency funds and even borrow money to repay. In response, the real estate market-linked R & D center that: the shortage of funds, the relatively limited financial capability of consumers, should not disrupt the original fiscal plan. At the same time, the use of the contingency funds will increase the risk of future life, it is possible, "Yinxiaoshida."
The use of matching the principal and interest, has entered the repayment period after the mid-not suitable for prepayments
It is understood: in the current loan-to-to, the most widely used method is matching the principal and interest repayment. Matching means that the entire principal and interest repayment period, the monthly repayment of the same amount of money, loans, the early pressure on the smaller, to facilitate arrangements for financial management plan. 300,000 yuan of loans, the period of 20 as an example, according to the current prime rate of 6.6555 percent, the monthly repayment amount of 2,264 yuan. In the early repayment period, for the composition, in the interest occupy a larger proportion of the principal amount also by the relatively small. The advance is by reducing the repayment of principal to reduce the interest expenditure, therefore, in the early stages of the repayment period for repayment ahead of schedule, can effectively reduce interest payments.
However, with the advance of the repayment period, the principal of a gradual increase of interest rates gradually decrease. 300,000 yuan in loans, the period of 20 months of 240 examples, in section 116, after the principal to 1,134 yuan, 1,130 yuan for the interest and principal began more than interest. If after the repayment in the medium term, then by the outstanding principal amount is more a matter of fact, that is, the actual savings of more limited interest. Therefore, the experts say: to enter the repayment phase of the medium-term, if consumers are not very abundant capital, can not anxious to early repayment.
The use of matching the principal, and the repayment period has reached 1 / 4 not suitable for prepayments
Matching the principal repayment, is equal to the monthly repayment of principal and interest calculated in accordance with the remaining principal. Thus the early repayment more, the pressure greater. As the principal of steady decline for months has been decreasing and so the latter part of the repayment, it is relatively easy. 300,000 yuan of loans, the period of 20 as an example, the fixed monthly principal 1,250 yuan. For the first month, for 2,914 yuan, last January, for only 1,257 yuan. Throughout the 20 240 on the repayment period, the first 61 months, principal at 1,250 yuan, 1,248 yuan for the interest. The repayment period from the sixth year onwards, the repayment period has reached 1 / 4, on the composition for, the principal began more than interest. If this ahead of time for repayment, the repayment of part of the principal is more a matter of fact, this is not an effective use of the savings interest.
Therefore, experts believe: the use of funds from increased efficiency, the use of matching the principal repayment, and the repayment period has reached 1 / 4, consumers can not rush ahead of repayment. If it is an advanced, then no need to use more a larger amount of funds for the repayment of the advance.
Strong ability to fund operations, finance and investment channels for the better not suitable for prepayments
Judging from the current bank of the early repayment conditions, the general requirements amount is several times more than the entire 10,000 yuan for ordinary consumers, the relatively large amount. Therefore, the liquidity for the early repayment, interest on savings, the rate of return equivalent to lending rates. If the consumer is only the funds in a bank deposit in the near future will not be used, the rate of return on the equivalent of, credit spreads, in which case the funds for early repayment more appropriate. If consumers have a better capital finance and investment channels, or funds and strong operational capacity will be entitled to a higher rate of return, as long as the revenue generated by the funds earlier than the savings in interest repayments, then from a mobile The effectiveness of funds, which some consumers there is no need for the early repayment of the funds.
Data: January 1, 2007 the benchmark rate for loans to 6.84 percent, and January 1, 2008 start of the implementation of the benchmark rate has reached 7.83 percent, or 14.5 percent. Raising interest rates five times, making for a clear and rising interest rates, in order to save interest on loans and reduce the risk of future interest rate increase, many have Xianqian the loans, intended to advance the end of the year for repayment.
This reporter learned that: Since the end of the repayment ahead of the peak arrival, as the bank recently, the bank loans and other "major", customers will need about a month ahead of time in order for appointment. However, when many people focused on how the loan ahead of schedule for repayment, professional research institutions but told reporters: the following four categories of consumers are not suitable for early repayment.
Financial constraints, the use of the contingency funds or even borrow money to repay the loan ahead of schedule does not fit
For ordinary consumers, housing loans is an important part of their daily expenditure, often for months on revenue of the 30 to 50 percent. Many "The Slave" in loans, the usual entertainment, leisure and other consumer items were forced to reduce or eliminate. Frequent interest rate increase in the cases, part of "The Slave" pressure began to increase, see the advance repayment of other consumer after unthinkingly, the deployment of the future for medical treatment, the children go to school, and other emergency funds and even borrow money to repay. In response, the real estate market-linked R & D center that: the shortage of funds, the relatively limited financial capability of consumers, should not disrupt the original fiscal plan. At the same time, the use of the contingency funds will increase the risk of future life, it is possible, "Yinxiaoshida."
The use of matching the principal and interest, has entered the repayment period after the mid-not suitable for prepayments
It is understood: in the current loan-to-to, the most widely used method is matching the principal and interest repayment. Matching means that the entire principal and interest repayment period, the monthly repayment of the same amount of money, loans, the early pressure on the smaller, to facilitate arrangements for financial management plan. 300,000 yuan of loans, the period of 20 as an example, according to the current prime rate of 6.6555 percent, the monthly repayment amount of 2,264 yuan. In the early repayment period, for the composition, in the interest occupy a larger proportion of the principal amount also by the relatively small. The advance is by reducing the repayment of principal to reduce the interest expenditure, therefore, in the early stages of the repayment period for repayment ahead of schedule, can effectively reduce interest payments.
However, with the advance of the repayment period, the principal of a gradual increase of interest rates gradually decrease. 300,000 yuan in loans, the period of 20 months of 240 examples, in section 116, after the principal to 1,134 yuan, 1,130 yuan for the interest and principal began more than interest. If after the repayment in the medium term, then by the outstanding principal amount is more a matter of fact, that is, the actual savings of more limited interest. Therefore, the experts say: to enter the repayment phase of the medium-term, if consumers are not very abundant capital, can not anxious to early repayment.
The use of matching the principal, and the repayment period has reached 1 / 4 not suitable for prepayments
Matching the principal repayment, is equal to the monthly repayment of principal and interest calculated in accordance with the remaining principal. Thus the early repayment more, the pressure greater. As the principal of steady decline for months has been decreasing and so the latter part of the repayment, it is relatively easy. 300,000 yuan of loans, the period of 20 as an example, the fixed monthly principal 1,250 yuan. For the first month, for 2,914 yuan, last January, for only 1,257 yuan. Throughout the 20 240 on the repayment period, the first 61 months, principal at 1,250 yuan, 1,248 yuan for the interest. The repayment period from the sixth year onwards, the repayment period has reached 1 / 4, on the composition for, the principal began more than interest. If this ahead of time for repayment, the repayment of part of the principal is more a matter of fact, this is not an effective use of the savings interest.
Therefore, experts believe: the use of funds from increased efficiency, the use of matching the principal repayment, and the repayment period has reached 1 / 4, consumers can not rush ahead of repayment. If it is an advanced, then no need to use more a larger amount of funds for the repayment of the advance.
Strong ability to fund operations, finance and investment channels for the better not suitable for prepayments
Judging from the current bank of the early repayment conditions, the general requirements amount is several times more than the entire 10,000 yuan for ordinary consumers, the relatively large amount. Therefore, the liquidity for the early repayment, interest on savings, the rate of return equivalent to lending rates. If the consumer is only the funds in a bank deposit in the near future will not be used, the rate of return on the equivalent of, credit spreads, in which case the funds for early repayment more appropriate. If consumers have a better capital finance and investment channels, or funds and strong operational capacity will be entitled to a higher rate of return, as long as the revenue generated by the funds earlier than the savings in interest repayments, then from a mobile The effectiveness of funds, which some consumers there is no need for the early repayment of the funds.
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