In the month for the spending soared at the same time, the loan when issuing in place also become the person that buy a house of anxiety. On January 20th, again raise deposit reserve rate 0.5 percentage point, RRR hike of superposition effects appear frequently, causing some "money tight" bank was forced to suspend their lending, shenzhen area have the person that buy a house December 2010 began to handle loan, still no issue in position. Some experts predict, again raise deposit reserve rate of time not far, this also can give a mortgage conduction brought some variables.
Borrowed ahead be careful
Along with the purchase cost rise sharply, some of the person that buy a house began to consider whether borrowed ahead. Nevertheless, the reporter consulting many of loan buyers are said it is still not borrowed ahead of plan. Some bank officials say, shenzhen currently haven't appear borrowed ahead of tide. Interest rate hikes expected, borrowed ahead is a good choice? One listing the joint-stock Banks shenzhen branch retail department manager thinks, this will vary from person to person.
She said, for in this round of market regulation policy conceptually before it already purchase and enjoy its benchmark interest rate of 7 fold, increase customer is for the month burden and not very heavy. In the foreseeable future, tighten policy will be big trends, from a bank loan will become more difficult. If the person that buy a house has a good investment channel, investment and financing, does not have necessary choice borrowed ahead. For some financial instability or change of the person that buy a house is if the month for the increase has obviously affect daily life, then some or all prepayment relieve pressure is a better choice.
In addition, there are a bank the personage inside course of study warns a citizen, when choosing a borrowed ahead look carefully loan contract, some contract not quickly adjust interest rates. According to information, shenzhen Banks and mortgage contract signed with the customers in interest rate adjustment is largely have three versions of the agreement, one is a contract rate adjusted according to the new standard to carry out second month began, the other is in late January 1st started, the last one is a "for years for months to date" executive, namely from the day of signing the next month on the adjustment.
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