This state -owned bank announced that the loan repay in advance, the policy has changed!

China Fund reporter Li Zhi

"Mortgage family" pay attention! Pay in advance, the policy has changed.

On August 1, the Bank of Communications issued an announcement to adjust the standards for early repayment compensation. Personal mortgage loans will be collected in advance to pay repayment compensation, which is 1%of the principal repayment principal.

Bank of Communications: Repair compensation will be collected in advance

1% of the principal in advance

On August 1, the Bank of Communications issued an announcement on the official website of personal mortgage loans and personal online mortgage (consumption) advance repayment compensation fee adjustment. Among them, in order to further do a good job of personal mortgage loans, personal online mortgage (consumption) related financial services, standardize early repayment of compensation compensation and charging behavior, Bank of Communications, personal mortgage loans, personal online mortgage (consumption) advance in advance Adjust the repayment compensation fee standard.

After the adjustment, personal mortgage loans (including personal housing loans, personal commercial housing loans, personal factory loans) and personal online mortgage (consumption) (consumption), and the compensation for early repayment is subject to the depends on the loan contract. The proportion 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.

According to Bank of Communications, the adjustment of the adjustment of the above -mentioned adjustment will be implemented from November 1, 2022, and will be implemented in accordance with the original charging standards before November 1, 2022.

Before the adjustment, the charging standards of the Bank of Communications can partially repay the compensation in advance. Each year can be exempted from the compensation for partial repayment once, starting from the second time, the collection of some repayment compensation is collected, and the compensation amount is 1%of the amount of the principal repayment in advance.

For the situation of all early repayment compensation (only applicable to ordinary loans and not applicable to circular loans), it is charged 1%of the equal repayment principal amount. Both situations include: the loan period is 2 years (including) or less, and all of them are repayed in advance within 1 year; the loan period is more than 5 years, and all of them will be repaid in advance within 3 years.

Multiple banks: temporarily exempt early repayment compensation

基金君咨询多家银行后了解到，目前北京地区，除了建设银行、招商银行明确表示对提前偿还贷款的情况不会收取违约金外，其他银行均表示，提前还款违约金收取标准以客户与The bank signed a loan contract shall prevail, and the specific circumstances need to consult a local loan bank. Regarding the processing of the loan's early repayment business, the ICBC supports the online appointment repayment business. Some users can operate the operation after logging in to the mobile banking. In addition, Agricultural Bank of China and China Merchants Bank need to make an appointment a month in advance.

According to the official website of the ICBC, when repaying all or part of the loan in advance, you need to fill in and submit a written application, and after the application is approved, carry valid identity documents and related information such as the "Loan Contract". At present, the online appointment repayment business is gradually opening up, and some users can operate the operation after logging in to the mobile banking.

Regarding the liquidated damages that buyers care about, the customer service of the ICBC reminds that the bayence of the payment of the contract in advance does not exceed the six -month loan interest of the repayment of the principal or collect it at the agreement price, and some special circumstances are temporarily exempted; Selecting a monthly repayment amount but a period of time unchanged or shortening the repayment period, but because the rules of various places are different, please refer to the actual operation.

China Agricultural Bank of China customer service stated that if you need to apply for early repayment at the Agricultural Bank of China, the borrower needs to apply to the original loan agency in accordance with the contract (generally one month in advance), holding a valid identity document, original purchase loan repayment card (discount ) Personal purchase loan guarantee contract to the loan bank to go through the relevant procedures. Early repayment liquidated damages are subject to the loan contract signed by the customer and the bank, and it is recommended to consult a local loan shop.

"As far as I know, the collection of liquidated damages may be 1%or one month's interest, but the specific situation needs to be based on the loan contract. For detailed consultation, you can contact the relevant outlets." The bank's artificial customer service said.

In response to the relevant business of personal mortgage loans in Beijing, China Merchants Bank customer service said, "We will not collect liquidated damages for the time being, but will it not be clear afterwards." If you need to apply for this business And go to the post -loan center to handle.

Similarly, a staff member of a Urban Bank of Construction Bank said, "At present, it is not necessary to apply for liquidated damages for such circumstances. It is best to make an appointment in advance if you need to apply for a related business."

A bank practitioner revealed that the regulations of various banks in various regions are not the same, but at present, most Beijing banks have not charged early repayment compensation. As for whether other banks will follow the Bank of Bank of China in the future This approach still needs to be observed.

Under the common effect of many factors

Residents' willingness to repay the mortgage in advance

In response to the bank adjustment of personal mortgage loans, the pre -repayment compensation fee standards, industry insiders believe that this may be related to the phenomenon of premature mortgage repayment and the pressure of bank credit business.

According to the Research Report of CITIC Securities, at the end of July, the trading rate of the six -year period of the State Stocks (non -three farmers) issued the existing interest rate quickly declined down. It was 0.2%on July 29, a new low of the year, and it may indicate that the credit investment in July was pressured. Among them, real estate loans are still sluggish. In 2022Q2, the development of loans decreased by 70 billion yuan, and personal home purchase loans also increased by 20 billion yuan. Compared with the same period last year, the development of loans was reduced by 50 billion yuan, and personal home purchase loans increased by 890 billion yuan.

CITIC Securities pointed out that although regulatory's attitude towards real estate enterprises' financing has been warmed, the credit status of some private real estate companies has not improved, and the overall industry's willingness to collect land and investment is very low. As a result, the stock of development loans declined in the second quarter. The growth of residents' mortgage loans is low, although there are factors for poor real estate sales, but this may not be the only reason. At present, many buyers have the influence of factors such as low financial yields, increased savings, and multi -underground mortgage loan interest rates. They choose to repay the loan in advance.

In this regard, CITIC Securities stated that another important reason for the phenomenon of mortgage mortgage is due to the high interest rate of the previous mortgage, and the current residents' deposits and wealth management yields are low, and some residents use savings to repay the mortgage in advance.

Zhang Wei, an analyst of Founder Securities, said that the ability of residents to repay the mortgage in advance came from the savings rate. Under the impact of the epidemic, the economy was weak, and the residents' income was under pressure. However, because residents 'consumption is faster, this has led residents' savings rate to continue. The epidemic is repeated, the residents have weakened the expected economic confidence and income growth in the future, and the demands of risk prevention have increased, thereby increasing savings and increasing the ability to repay the mortgage.

The reason behind the residents' willingness to repay housing loans in advance is that the yield of low -risk assets is reduced, and the rigidity of mortgage interest rates is high. Since the beginning of this year, the central bank has promoted the decline in bank deposits through the MPA assessment and reform of bank deposit pricing marketization, which has promoted the gradual decline in bank deposits. The cargo yield and financial yield of the deposit alternative product have gradually declined. Faced with the weighted average interest rate of 5.5%of the housing loan, the gap between asset yields and liability cost rates continued to expand, and residents' willingness to repay housing loans in advance increased.

So, is it really cost -effective to repay the mortgage in advance? Zhang Wei reminded that the interest rate of mortgages and financial management cannot be simply compared, and it also needs to be evaluated from multiple elements such as repayment time, repayment method, and the number of repayment periods.

Zhang Wei believes that due to the high level of residents' savings and low -risk asset yields in the short term, the residents who repay the mortgage in advance will continue to exist in the short term. However, the mortgage interest rate will go down further, and the new mortgage loans will gradually increase, and residents will not continue to deleveraging. Judging from past experience, the downside of mortgage interest rates will also promote the rebound of real estate sales area and corresponding mortgage loans. The new mortgage delivery will not continue to be lower than the mortgage loan. It is expected that the new mortgage loan will maintain positive growth, and the leverage rate of residents may be steadily or rising slightly.

Edit: Xiao Mo

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