Request loan in advance, the Bank of Communications is a wonderful recruitment: 1%compensation for repayment in advance

A few days ago, the Bank of Communications (601328.SH) adjusted the charging standard for compensation for compensation for the relevant loan.

The Red Star Capital Bureau noticed that as the loan interest rate declined, many people who carried mortgages were trying to repay in advance.

On August 1, Bank of Communications announced on the official website that starting from November 1 this year, when users repay relevant loans in advance, the proportion of compensation is 1%of the amount of the principal of the early repayment. On the basis of the contract, there are preferential reduction permissions in various localities.

Picture according to IC Photo

Repair 1%compensation in advance

Customer service: There are preferential reduction permissions in branches in various places

Since the beginning of this year, whether it is necessary to repay mortgage in advance, whether the mortgage is cost -effective in advance has become a hot topic in social media. (For details, please refer to previously reported "This is not better than buying funds to make money? Bank penalties can't stop this young people repay the mortgage in advance")

Judging from the financial statistics released by the central bank, in February and April this year, residential loans decreased by 336.9 billion yuan and 217 billion yuan, respectively. Among them, medium- and long -term loans in February decreased by 45.9 billion yuan, and housing loans in April decreased by 60.5 billion yuan.

At present, the bank has also acts, and the first to move is the Bank of Communications. The Bank of Communications issued an announcement to adjust the charging standard for adjusting the compensation for advance repayment. The loan involved in this adjustment is personal mortgage loans (including personal housing loans, personal commercial housing loans, personal factory loans) and personal online mortgage (consumption To.

From November 1st this year, when the user of the Bank of Communications repay the relevant loan in advance, the compensation of the pre -repayment compensation will be subject to the depends on the loan contract, and the compensation ratio is 1%of the amount of the principal of the early repayment. On the basis of the contract, branches in various places have preferential compensation and exemption permissions.

On August 2nd, the customer service of the Bank of Communications explained to the Red Star Capital Bureau that on the basis of the contract agreed, branches in various places have preferential reduction permissions.

Screenshot from the official website of Bank of Communications

The Red Star Capital Bureau noticed that the standards implemented by the Bank of Communications were:

Part of early repayment compensation

Each year can be exempted from the compensation for partial repayment once, starting from the second time, the collection of some repayment compensation is collected, and the compensation amount is 1 % of the amount of the principal repayment in advance.

All early repayment compensation

1 % of the equal repayment principal amount is charged for the following in -advance repayment situation: ① The loan period is 2 years (inclusive) or less, and all of them are repaid within 1 year; ② the loan period is more than 5 years, and the loan period is more than 5 years. All the repayment will be paid in advance within 3 years.

From 7.23%to 8.01%

Personal housing mortgage loans of Bank of Communications still maintain growth

Some bank practitioners have previously told the Red Star Capital Bureau. Generally speaking, banks do not want customers to repay in advance. When the customer repays in advance, if there is no way to loan in time with the right interest rate, the subsequent revenue will decline, and the interest rate reinvestment risk will occur.

The Hongxing Capital Bureau read the financial report and found that in the past year, the total customer loan of Bank of Communications has increased steadily.

In the second quarter, third quarter, fourth quarter, and the first quarter of 2021, the customer loans of Bank of Communications were 6.35 trillion yuan, 6.47 trillion yuan, 6.56 trillion yuan, and 6.93 trillion yuan, respectively.

Among them, the data of personal housing mortgage loans was disclosed in semi -annual reports and annual reports.

As of June 30, 2021, the balance of personal housing mortgage loans of the Bank of Communications was 1387.39 billion yuan, an increase of 7.23%over the end of the previous year; as of December 31, 2021, this data was 1489.517 billion trillion yuan, which was an increase of half a year. 8.01%.

In other words, the Bank of Communications still maintains a growth rate in the field of personal housing mortgage loans.

Judging from the latest quarterly financial report of 2022, the operating income of Bank of Communications was approximately 73.608 billion yuan, an increase of about 7.70%year -on -year; the net profit of the mother -in -law was about 23.336 billion yuan, an increase of about 6.33%year -on -year.

On August 2nd, the closing price of Bank of Communications was reported at 4.57 yuan/share, down 0.44%, and the total market value was about 339.4 billion yuan.

Red Star News reporter Yang Peiwen

Edit Yang Cheng

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