Young people repay the housing loan in advance?What should I think behind the phenomenon of repayment in advance?

Recently,#最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 最 has become a very special phenomenon. What should we think of this? Do you want to repay the mortgage in advance? What is the problem behind this phenomenon?

First, young people repay the mortgage in advance?

According to the Securities Times, "young people repay the mortgage in advance" once again become a hot search topic. Not only that, under the pursuit of long -term stable income, insurance products that have not been seen in the past are being re -examined, and the banking industry has begun to "sell" insurance products.

Open platforms such as Xiaohongshu and B Station, countless discussions and sharing in advance, and the comment area is also very lively. Some people even said that some loans will be repaid in advance every month, and this operation has been "addictive". There are also some experience sharing or discussions on these social platforms. Some people say that one -third is a golden boundary, that is, 30 years of mortgage, and try to pay it in advance in the first 10 years. Some people say that for cheap loan costs, considering that it will be diluted by inflation, it is still necessary to "put long lines" to see.

"For us, it is still a mathematical problem to repay loans in advance." Xiaowan said that some of the so -called popular sciences on the Internet are actually not reliable. If you want to repay the loan in advance, the most realistic operation is that the repayment treaties of each bank may be different, and other expenses may be incurred.

Some time ago, a bank issued an announcement saying that compensation must be paid in advance, and the proportion is 1%of the principal of the early repayment. Although the bank quickly withdrew the announcement, it caused discussions on whether to charge liquidated damages and collect standards in advance. In the eyes of many people, one of the main channels for banks' profit is loan interest, and mortgage is one of the important channels.

Taking the Shenzhen market as an example, a reporter from the Securities Times consulted with a number of bank loan managers such as Bank of China, Construction Bank, China Merchants Bank, Ningbo Bank, etc., and found that some banks still set some "thresholds" on the early repayment.

2. What should I think behind the phenomenon of repayment in advance?

The reason why young people repay the mortgage in advance is not to say that young people are rich at once, but because of other reasons, the tendency of the entire market has changed. What should we think of this?

First of all, behind the mortgage in advance is the influence of the lack of investment in the entire market. At present, the biggest problem in the entire investment market is that there is no better income content. The entire market is in a state of extremely scarce content. Without good investment targets, many young people actually lack enough investment points. Nothing is willing to repay the mortgage in advance, because as long as there is a relatively good investment, everyone's annual investment income level is still relatively high. Under the case of relatively high level of investment income, naturally everyone is unwilling to advance in advance in advance Housing repayment is the inevitable result of market development. However, now the entire market lacks sufficient high -quality investment targets, and repayment of mortgages in advance has become the choice of many people. Instead of putting the money on the hand, it is not as good as the money to be depreciated. Implement a certain degree of optimal investment.

Secondly, for the current entire market, repayment of mortgages in advance is actually not a very favorable choice for banks. Each commercial bank is actually trying to do it. The overall income level decreases, and real estate credit is the most stable credit system for banks. Therefore, in this case, the purpose of banks often want everyone to repay the mortgage as much as possible. This is why we see that various commercial banks are improving the amount of liquidated damages for the mortgage in advance. The purpose is to increase the difficulty of paying a mortgage in advance. This is a special status of the current market.

Third, do you want to repay the mortgage in advance? In fact, for the current young people, whether to repay the mortgage in advance can actually be analyzed and judged. If the overall income level of a young man is relatively stable, then there is no need to repay the mortgage in advance. In income, real estate credit, as a large credit, is actually a better way to fight inflation. From the perspective of the entire market development, especially in the case of greater inflation pressure from countries around the world, through the situation of inflation pressure, it is against inflation. Design can effectively reduce the pressure of future life. However, if the future income level lacks stable expectations, and even if there is a decline in expected, repay the mortgage in advance to reduce your burden, thereby reducing your own pressure. This is also a different choice. Therefore It is said that whether you repay the mortgage in advance depends on whether you can have a stable income expectation.

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