Nanjing is not now "early repayment boom" next year after loosening the first mortgage
another four days is January 1, 2012, when the latest mortgage interest rates will be implemented in 2011 to raise interest rates three times the cumulative effect will come into effect, for the month and trying to increase the number of monthly interest. To the end of last year, many old families are taken monthly prepayment. And next year since New Year's Day since the implementation of the new rate of 7.05% standards, people should pay an extra sum to buy a house for the month. Meanwhile the banks vigorously Lanchu end, they did not forget to encourage early repayment. Many banks in addition to free liquidated damages, but also simplifies the early repayment program. "Also full six months, do not charge liquidated damages; if not also full six months, on the early repayment, prepayment amount will be charged interest for six months after the penalty." Bank of China Jiangsu Branch Retail Loans Manager Zhou Xining representation. However, the reporter found that recent advance loan application and phenomena are not many. Zhou Xining said that from December it seems not a lot, compared to last year, did not increase significantly. The Industrial Bank a branch of a credit manager, also said that applications received early repayment is not much, but he said: "By January 20 or so, we made a year-end awards, but also a lot of early repayment that." In addition, he did not think it was up for the month, until January repayment, the "you know the pain, will think of early repayment." mortgage expert opinion will be next year after loosening next year the Government will relax first mortgage policy? Nanjing University Real Estate Department Wu Xianghua said: "The first mortgage mainly banks decide, not the government's limits. Was the result of the first mortgage interest rates go up, because cash-strapped banks, if the money, the first suite of interest rate cuts, but also not impossible. "" national new mortgage amount next year there are about 8 trillion, will be the first mortgage policy remains loose tight, while next year the overall trend of the property market is 'slow Bear', compared to the mortgage, buy a house should concern is the price, after all, compared with the prices, mortgage interest rates minus a few points are almost negligible. "he said.
