Housing loan early repayment: Most commercial banks do not accept compensation

Our reporter Su Xiangyi Yang Jie recently announced that it will adjust the personal mortgage loan and personal online mortgage (consumption) advance compensation fee standards from November 1st. After the adjustment, the compensation of the early repayment compensation is subject to the depends on the loan contract, and the compensation ratio is 1%of the amount of the principal in advance. On the basis of the contract, branches in various places have preferential compensation and exemption permissions. The announcement caused widespread attention in the industry. On August 2nd, a reporter from "Securities Daily" partially found that commercial banks' pay standards for personal mortgage loans in advance. Some banks in Beijing, Tianjin, and Baoding are currently not collecting compensation. Some banks said they will follow the contract according to the contract. The agreed fee is agreed. At the same time, it is important to pay attention to the relevant banks on the evening of August 2nd have been deleted. There are not one reporter's charging standards for various banks consulting many bank staff noticed that different regions have different requests for the repayment compensation for personal mortgage loans in advance. A personal credit staff in Beijing, Beijing, told reporters, "Personal housing loans have no penalty (compensation) at present." It is determined that there are no relevant fees in Beijing, Tianjin and other places. "China Merchants Bank customer service staff told reporters. A staff member of the ICBC area told reporters that customers can apply for personal mortgage loans to repay in advance through two ways to apply for two methods through mobile banking or outlets. When the reporter asked whether the relevant liquidated damages needed to be paid, the staff member said, "At present, the policy we implement is that the relevant fees are not charged in Baoding." For personal mortgage loans in Guangzhou According to the customer service of a joint -stock bank, Guangzhou Branch said that at present, whether to charge liquidated damages, each customer is different. Individuals can log in to the app to make an appointment to repay and query the amount to be paid. In addition, banks are repaid for personal mortgage loans to give other "answers" in advance. The staff of a state -owned bank said that the conditions that should be met in advance, and whether the liquidated damages need to be paid in the personal loan contract signed by our bank with the customer's personal loan contract. When the repayment occurs in advance, our bank will follow the contract. Fee. The fees for repayment in advance are up to six months of loan interest. The toll projects and charging standards have been publicized through the official website, business outlets and other channels. Take the Shanghai area as an example. A joint -stock bank staff also stated that whether Shanghai is currently receiving a personal housing loan repayment of proceedings in advance? Dong Ximiao, chief researcher at the Institute of Internet Finance of Zhongguancun Internet Finance, told a reporter from the Securities Daily that the current law does not clearly specify that the payment of liquidated damages (compensation) is required to repay in advance, and it is necessary to see the loan contract agreement. It should be noted that the banks issued by the aforementioned announcement have revoked the announcement on the evening of August 2. The reporter contacted the official customer service staff for the first time, and the other party introduced the bank's current repayment compensation fee. The reporter found that it was consistent with the charging standards before the announcement. Experts: Insufficient personal loan effective demand for the aforementioned bank's announcement of collecting compensation for early repayment compensation. Yan Yuejin, research director of the Think Tank Center of the Easy House Research Institute, told the reporter of the Securities Daily, "The starting point is obvious, that is, the standardized early repayment repayment repayment. Compensation and charging behavior, this also shows that the recent repayment phenomenon of some banks may increase in advance. This is a new phenomenon of housing loans that need to be paid attention to. " Compensation 'means to reduce customer repayment behavior. "Dong Ximiao said. According to the statistical report of the loan investment in financial institutions in the second quarter of 2022 recently released by the People's Bank of China, RMB loans increased by 13.68 trillion yuan in the first half of the year, an increase of 919.2 billion yuan year -on -year. However, from the perspective of the segmented field, the growth rate of real estate loans and the growth rate of household loans have fallen. In the first half of the year, the loans of domestic and foreign currency residents increased by 2.18 trillion yuan, an increase of 2.39 trillion yuan year -on -year; other consumer loans (excluding personal housing loans) increased by 109.5 billion yuan in the first half of the year, an increase of 532.2 billion yuan year -on -year. Guosheng Securities reported on July 10 that when communicating with 16 listed banks and summing up, most banks stated that the launch of the first half of the year was weaker than the same period of previous years, mainly because the demand was relatively weak, and some customers chose to choose Prepayment. Talking about the psychology of buyers who choose to repay the loan in advance, Yan Yuejin believes that some of them are considering the pressure of repayment and want to repay in advance to reduce subsequent interest expenses; some of them want to repay the loan in advance and then mortgage the property to obtain a lower cost. Loans, etc. The bank must have a full understanding of the motivation of such early loan repayment to better do financial services. Dong Ximiao said that in practice, less banks collect liquidated damages (compensation) on early repayment behavior. Even if a small number of banks have received a liquidated damages (compensation), customers can often apply for exemption or obtain exemption by purchasing a certain amount of financial products or deposits. He predicts that other commercial banks will not be followed up simultaneously.

Picture | Site Cool Hero Bao Map.com

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