Reacted to pay compensation in advance?Bank dispute announcement "one -day tour"

Yangcheng Evening News all -media reporter Dai Manman

Come compensation to the bank in advance? On August 1, the Bank of Communications issued an announcement saying that from November 1 this year, personal mortgage loans, personal online mortgage (consumption) advance repayment compensation charging standards were adjusted. After this announcement was issued Wide attention and controversy. Some netizens said that they cannot accept the claims of "compensation" to banks in advance. In just one day, the announcement of the official website of the Bank of Communications after the dispute was suspected of "stealth". However, behind the announcement of the "One -day Tour", whether the mortgage repay in advance requires compensation for banks and why the Bank of Communications announced has caused such a large controversy. Whether such regulations are unique to a bank have aroused a lot of attention. Why are young people keen to repay the mortgage in advance? Should I repay the mortgage in advance?

Is it a case or a common phenomenon?

Reporter survey: other banks also have similar regulations

Recently, the Bank of China has adjusted personal mortgage loans and other advance repayment compensation charging standards. The specific loan contract is subject to it. A new standard will be implemented from November 1 this year.

Earlier, the bank can exempt the withdrawal of the compensation once a year for some advance repayment, and the second time the second time it starts to charge some of the early repayment compensation, which is 1%of the amount of the repayment principal; in terms of all the early repayment, the bank Compensation for some periods.

As soon as the Announcement of the Bank of China was issued, it attracted great attention. "Originally repaid the bank in advance, what is the operation?" Some netizens said on Weibo that they had never heard of it before. After seeing the announcement, they found that the compensation was long for a long time.

Is it a case for the Bank of Communications or the industry? A reporter from Yangcheng Evening News interviewed several loans loans from different banks and asked them to find answers from the contract. Taking mortgages as an example, most banks currently clearly specify "liquidated damages" or "compensation" in the form of clauses in the contract.

With a large state -owned behavior example, its loan contract clearly stipulates: "If the borrower agrees to apply for early repayment within 12 months after the loan is issued, the lender will pay the lender to the lender at one time according to the following standards as follows. Gold: Early repayment liquidated damages = early repayment amount*loan execution monthly interest rate*3 months, each loan's maximum early repayment liquidated damage not exceeds the loan interest of six months under the contract. "

The reporter consulted with a bank as a customer and whether the repayment required compensation was required. The bank's customer service responded that the bank did receive a proof of compensation for advance repayment compensation, but it must be based on the local policy. It is recommended that reporters contact the loan. The bank is issued for detailed consultation.

The loan repayment will receive a repayment penalty in advance, although the bank has provided it with terms of banks. However, many banks and buyers said that in practical operations, early repayment needs to pay a liquidated damages (compensation) to the bank. Even if the bank has a agreement to collect compensation, customers can often apply for exemption.

Ms. Lin, who worked in Tianhe District, Guangzhou, said that when she repaid in advance this year, she had a handwritten application to explain that she needed to replace houses.

Should banks collect advance repayment compensation?

Expert: specific need to abide by the loan contract agreement

Since there is already a precedent for compensation for advance repayment, why did the announcement of the Bank of China trigger a controversy? Many people in the industry said that according to the literal interpretation of the Bank of Communications, many people believe that the conditions for receiving so -called early repayment compensation are relatively strict and higher, and subsequent Bank of Communications has not given a more detailed explanation.

Should banks collect early repayment compensation? "Commercial banks issue loans to customers, and clearly agreed on the loan period, interest rates and other elements in the form of contracts. All or partially repayed in advance, violated the agreement on the loan term in the loan contract. The bank's logical basis for receiving liquidated damages (compensation) for early repayment behaviors. "Dong Ximiao, chief researcher of the China Institute of Internet Financial Research Institute of Zhongguancun, said in an interview with the Yangcheng Evening News reporter that the law does not clearly specify that the payable damages need to be paid (compensation for compensation (compensation (compensation (compensation (compensation (compensation (compensation ), Specific depends on the provisions of the loan contract. If the loan contract clearly stipies to pay a liquidated damages (compensation) in advance, the Bank of Communications shall not have a legal problem in accordance with the contract agreed in accordance with the contract.

Li Yujia, chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, told a reporter from Yangcheng Evening News that from the perspective of banking, starting from the perspective of management liabilities and capital costs, he must not want mortgage users to repay in advance. Li Yujia believes that it is reasonable for banks to charge a certain cost of mortgage mortgage customers in advance, especially if there are clear regulations in the mortgage contract, if the customer repays in advance, it should comply with the relevant provisions of the contract.

Is it necessary to repay in advance?

Industry insiders: still need case analysis and consideration

Why does the Bank of Communications choose to release the corresponding announcement at this node? Dong Ximiao's estimation may be due to two reasons. First, the effective demand for personal loans since this year, slow growth, trying to collect "compensation" to curb customers' early repayment behavior; second, in recent years, due to increasing the entity to the entity in recent years Economic benefits, more expenses and exemptions, and the decline in intermediate business income is obvious. It is hoped that "compensation" is hoped to increase intermediate business income by collecting "compensation". "The controversy is mainly because everyone's traditional impression believes that banks have higher profits. Many mortgage clan, especially young people, want to repay in advance to reduce their monthly supply burden. From the perspective of people's livelihood, everyone may be unacceptable to everyone. "Li Yujia said.

As a "mortgage family", is it cost -effective to repay in advance? Several interviewed industry experts and bankers said that the repayment in advance still needs to be determined according to the actual situation.

Li Yujia said that in recent years, young people have been keen to repay loans in advance, but whether to repay the loan in advance is suitable for themselves, they need to weigh them according to their own conditions and funds.

"For individuals, whether the loan is cost -effective in advance, it is also related to factors such as the loan repayment method, the remaining years, and the interest rate of mortgage loan, and the loan may have the opportunity cost." Whether the most direct way to repay personal loans in advance is to depend on whether the investment income can cover the loan interest. If the investment yield is higher than the loan interest rate, you can consider using the funds more for investment; Of course, you need to leave enough funds for your own life, pension and daily expenditure. "From the perspective of the current situation, the loan interest rate has a downward trend, and the loan needs to be repaid in advance need to be carefully considered." Dong Ximiao suggested.

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