"Early repay compensation" must be well balanced

Zong Zongming/WenCong Bank recently announced that it will adjust the personal mortgage loan and personal online mortgage (consumption) advance repayment compensation charging standards from November 1st. The shall be charged with the provisions of the loan contract, and the compensation ratio is 1%of the amount of the principal of the early repayment. After the announcement was issued, it immediately caused heated discussions. The official website of the Bank of Communications quickly deleted the announcement.

First of all, many people have misunderstood the announcement of the announcement. They mistakenly believe that the compensation for early repayment is the bank's clever charging name, and they do not know that the fee may not be before. In the case of the Bank of China, this time it is not a new charging item, but to adjust the charging standard: merged the item requirements into one requirement, and the previous combination of specific loan periods and the proportion of early repayment to determine the compensation for the number or condition of the compensation. It becomes on the basis of following the agreed "as long as it is paid in advance. This means that the application of compensation for compensation for early repayment has expanded, and the "exemption situation" is even less.

The question comes: The bank's unilateral face adjusts the rules for the collection of advance repayment compensation. Is it unreasonable? This cannot be examined from the perspective of banks or customers, and whether it is reasonable or not depends on the lending contract signed in advance.

In essence, in terms of repayment of loans in advance, there are several games of several parties, and there is an inevitable growth relationship of benefits: in the context of the scarcity of high -quality investment targets and potential financial management income, they cannot run the mortgage interest rate, and they believe that "reduce liabilities", "reduce leverage, reduce leverage "Starting from his own interests, the borrower will think that" it is to make money. " However, for banks, it is not the same as ever. Banks generally do not lack liquidity and do not need to return funds in advance. Customers repay loans in advance is not good for them.

After all, personal mortgage mortgage loans and personal online mortgages are very high -quality credit projects, which supports the benefits of highly affordable interest profit margins. Today, the decline in the growth rate of mortgages has shrunk. Stabilizing the existing existing mortgage business has become a key service for many banks, and they will naturally not encourage early repayment. Some banks have proposed to collect early repayment compensation.

However, even if the compensation for advance repayment compensation can be established in business logic, whether this compensation can be collected and how can it be collected? It is not the bank side to say, but it depends on how the contract is agreed. If the contract clearly says that it can be charged, and the standard is agreed that the standard is floating, then the bank can charge it as required. If the contract is agreed to repay the loan in advance, but there is no agreement to compensate, the cost cannot be collected. In this announcement, the Bank of China clearly made it clear that the specific loan contract is subject to the provisions, and the front conditions are actually set. In any case, all parties must abide by the contract spirit on the issue of repayment compensation.

It is worth noting that for a long time, the lending contract has been dominated by banks, and the relevant content of the early repayment is also "sleeping" in the format of dozens of pages of contracts. The general notification when there is no signing of the contract is a supplementary reminder. The announcement of the payment of compensation for the payment of compensation in advance caused a strong response from public opinion, which is related to this.

Considering such a common situation, when banks change the rules related to compensation for early repayment compensation afterwards, the bank may worry about the public acceptance and avoid the feeling of "routine customers". The corresponding requirements are that when arranging the contract, the terms of the borrower's rights and interests have been specially reminded. After signing, you can also consider actively notifying by SMS. Old people, new methods "and reducing the resistance of landing. To put it bluntly, since it is a game, it is time to let customers and banks scoop their wrists on the same plane, instead of starting to lack clear reminders, and then make people think that they do not keep credit.

Jumping out, the "shrinking economic behavior of the residential department" reflected in this incident is worth thinking about. Nowadays, there are more and more mortgages in advance. Behind it is that people's interest in consumption shrinks and liabilities will decrease. This is the two extremes as the problem of high leverage, which will have a negative impact on social and economic operations. From the perspective of economics, the subject of behavior in the economy often includes three departments of the government, enterprises and residents. In the context of mainstream economics, the government belongs to the public sector, while enterprises and residents are private sectors. Now residents are unwilling to spend on the side, and they will inevitably bring "internal circulation" body blockage.

Banks are not a reasonable solution to keep residents in the debt framework with compensation chips. In the short term, the loan interest rate of old customers is also appropriately reduced. In the long run, if you want to stabilize people's consumption confidence, it is the feasible path to avoid the "credit collapse".

At present, the dispute caused by early repayment compensation compensation is not unprecedented to the bank: to cope with the situation of a large number of customers repay the loan in advance, and try to use those reasonable and affectionate thinking ideas, to control the rights and interests of many parties and interests. Balance of interests.

(Author is senior media person)

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