The Bank of Communications to withdraw the mortgage repayment compensation policy?Should the Bank of Communications repeat it?

On August 2nd, the news of the Bank of Communications attracted the attention of the entire market. This is that the Bank of Communications issued a notice to pay repayment compensation in advance. The Bank of Communications has withdrawn the relevant notice again. Many people are puzzled. What should I think of the Bank of Communications?

I. Ceremony of the Bank of Communications Request to pay repayment compensation notice?

According to the First Finance and Economics, on August 2, the Bank of Communications "Announcement on the Adjustment of Personal Mortgage Loans, Personal Online Mortgage (Consumption) Early repayment compensation fee adjustment" has attracted widespread attention. The preferential discounts for compensation for some loans in advance are no longer continuously exempt from compensation. All early repayment (including all and parts) will collect compensation at 1%of the amount of the principal of the early repayment.

According to the announcement, before this adjustment, for some early repayment compensation, some repayment can be exempted every year, and some of the early repayment compensation compensation will be collected from the second time. 1%of the principal amount. For all early repayment compensation, when there are two cases, the amount of the principal of the early repayment is charged. First, the loan period is 2 years (inclusive) or less, and all of them are repayed in advance within 1 year; the second is that the loan period is more than 5 years, and all of them will be repaid in advance within 3 years.

At around 17 pm on August 2nd, the reporter noticed that the above announcement has shown that "the page does not exist" on the official website of the Bank of Communications. The reporter consulted the customer service staff and said that the other party said that "maybe he may complain too much", but the specific reason is unclear.

According to earlier announcements, the adjustment will be implemented from November 1st this year, and branches in various places have compensation and exemption permissions. However, according to the first financial reporter, the relevant rules are not yet clear, and local branch branch is still "equal notice". Essence According to the staff of the local branch of Beijing, the bank has not collected compensation, whether it is part of the part and all of them in advance, and the notice is relatively "suddenly".

2. What should I think of the DC?

Faced with the policy of the Bank of Communications withdrawing the payment of repayment compensation in advance, many people are saying, what is the purpose of the Bank of China to do so? What kind of logic is behind the Bank of Communications?

First of all, the commercial bank repay the mortgage in advance to collect repayment compensation. This incident is actually not surprising. In a sense, it is a hidden rule for the entire commercial banking system. For commercial banks, commercial banks, commercial banks Each loan actually has a relatively high cost. We have previously estimated that the average cost of each loan for a commercial bank at a physical outlet requires about 1,000 yuan, because there is a relatively high cost, which is a relatively high cost. Therefore, commercial banks often distribute credit very carefully. Among the various credit of commercial banks, real estate credit is relatively large, and the amount of amount is relatively easy. However, the overall cost of real estate credit is not low. In the case, in order to balance their income losses, in general, commercial banks will choose to collect repayment compensation to avoid their users' repayment in advance, which has almost become the universal strategy of various commercial banks.

Secondly, in recent days, the economic downturn pressure on the entire market has been relatively high, and the market risks are relatively high. For most bank credit customers, everyone is actually not obvious for future revenue growth. Under such a big background, more and more bank customers have impulse to pay off the mortgage in advance. This can effectively reduce their future burden, thereby providing a certain possibility of their future development and reducing their own living costs, so let's see In the recent period, the situation of returning real estate credit in advance of commercial banks is more common. Therefore, it is very likely that the Bank of Communications is to see such a situation. In order to avoid too many users to repay in advance, such a policy is made. The purpose is to reduce the number of people who pay early repayment, so as to provide themselves with more The profit space.

Third, for various commercial banks, this repayment compensation does have its objective logic, but is it reasonable whether such a large -scale collection is reasonable? After all, existence does not necessarily mean reasonable, and commercial banks should also consider it carefully. At the same time, for most mortgage customers, in fact, everyone must also measure it. Real estate credit is actually a relatively favorable means to fight inflation. In the case of, paying in advance is not necessarily a good choice, but the future does have the possibility of decline in income expectations. Putting up the mortgage in advance, thereby reducing your future pressure. It is also a choice direction.

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