Recently, with the release of the 2023 annual report data of major banks, "prepayment" has become a hot word.
Xiao Tang, a post-90s new Hangzhou native, is saving money to repay the mortgage in advance.
"After I went in, I found that the interest was much less, and I felt that I had earned it instantly, and then I was a little hooked on this feeling. Xiao Tang said that many friends around him also chose to repay the loan early.
However, prepayment is not something that can be repaid if you want to. Xiao Tang said that in the last repayment, she found that the originally open online appointment channel could not be scheduled.
"I asked the loan manager, and he told me that I could register offline, but it would take two or three months, and he couldn't say the exact time. ”
Some young people are no longer keen on managing their money
Anxious to pay off your mortgage early
In 2020, Xiao Tang bought a just-needed real estate in the north of Hangzhou, and in addition to the provident fund loan, there are more than 1 million commercial loans. "There is a balance in addition to the monthly payment, and at first I put most of it in the fund, and the rate of return is still quite good. ”
At the end of last year, Don Jr. had plans to repay the mortgage early. "At that time, there was a large amount of certificates of deposit that expired, and when I wanted to save again, I found that the interest rate was greatly reduced compared with a few years ago, and I still had to rely on grabbing. ”
Recently, the fund market has been uncertain, and Xiao Tang has lost a lot, so he did not invest again. In the end, she decided to use the money along with the year-end bonus issued in January this year to pay off the mortgage early. "The loan term is almost 10 years shorter, and the interest is more than 100,000 yuan less than the original 30-year loan. ”
For the first time, she repaid 200,000 first.
After that, she scraped together some of the money she put in her current account, plus a few months' salary to prepare for another wave, but this time she found that she couldn't make an appointment online.
Xiao Tang said that he learned from the community owner group and on social media that many people have encountered similar situations. "Maybe it's because there are too many people who are paying back, and the bank's quota is tightened?"
Xiao Zheng, who was born in the 90s, chose to pay off the mortgage in one lump sum.
"I still have some money in hand, and my parents also said to sponsor me more, and wanted to use their room tickets to buy a house, but in the end they gave up on this idea. Xiao Zheng said that the pressure on the monthly payment of the two suites will be great, so it is better to "redeem" the existing one from the bank and "pocket" it.
There are also home buyers who have received sales calls from business loan agents.
"He said that he could take out a loan at a very low price, charge me a little handling fee, and the money could be repaid to the mortgage. Mr. Zou, a citizen, said that many neighbors had also received such a pitch, and most of them chose to refuse.
Online appointments are more popular
Many banks have to wait more than 1 month for prepayment of mortgages
Some young people are more willing to repay their loans early, but most banks are not able to repay them on the same day.
"I applied last month, and the account manager said that I would wait until after June, and I wanted to expedite but the reply I got was: I am not waiting alone, I have to come according to the order of appointment, and if I don't have the quota, it will take longer. Xiao Fan, who handles commercial loans at a rural commercial bank, said that at present, he can only apply for early repayment offline, and the waiting time has become longer recently. "I have a friend who waited for a week at the same bank last year. ”
"I grabbed it for several days, but I didn't get to get the place that was released. Xinhangzhou Xiaoqian told reporters that she couldn't grab the number on the mobile banking app of a state-owned bank recently, and until June 15, the previous appointments were over. "According to the contract, the repayment of the loan is more than 1 year, and then there is no penalty for early repayment, so many owners in our community choose to queue up to repay. ”
Photo courtesy of the interviewee.
The page with the failed operation of the small money operation reads: "Dear customer, you can try to select the date of another month in the date list, or you can contact your relationship manager or consult the loan handling bank to make an appointment. Subsequently, Xiaoqian consulted the account manager according to the prompt, and the other party said: "There is no quota recently, and I will notify if the quota is released." ”
"I called the relevant hotline of the loan handling bank again, and the customer service replied that at present, you can queue up offline to register first, and it is expected that the loan will be repaid in June and July. Since I chose to shorten the number of years, I had to change the contract again. Xiaoqian reluctantly said that the bank only works on weekdays, and it is too inconvenient for him to have to run twice in order to repay the loan in advance, "I still hope that there will be more places online." ”
Photo courtesy of the interviewee.
"According to the regulations, you can only make an appointment for repayment once a year within 180 days, and the maximum is two per year, and you will have to pay more interest during the waiting period. Xiao Qian said.
Xiao Shen, who made an appointment to repay the loan at another state-owned bank, told reporters that although the bank has no limit on the number of appointments on the mobile banking app, it is difficult to grab it. "Generally, you have to wait for two or three months, and you have to pay liquidated damages at the same time as the interest is overpaid. ”
Experts advocate proceeding from reality and treating it rationally
Industry insiders reminded not to fall into the business loan routine
According to Ding Jiangang, president of Zhejiang Daily Media Real Estate Research Institute, "early repayment" is a relatively common phenomenon. "For example, some time ago, I received a year-end bonus and dividends, which became the basis for prepayment. At the same time, due to the net breakage of wealth management products, the retracement of yields, and even negative returns, "many people choose to redeem and let the money come back to their hands." ”
In Ding Jiangang's view, early repayment should be based on the actual situation of home buyers, and it needs to be treated rationally, rather than blindly following the trend. "For example, from 2016 to 2020, especially in 2018, the mortgage interest rate reached 5.6% to 5.8% for customers. If you have spare funds on hand, you can consider it, so as to significantly reduce long-term interest expenses. ”
Ding Jiangang said that mortgage loans are a high-quality asset for banks. "For people with a stable income, your repayment on time and for a long time is a source of profit for the bank. ”
Yan Yuejin, research director of the E-House Research Institute, said that home buyers need to fully consider when repaying their loans in advance, and reserve reserves for living expenses and medical care in the next few years. "Banks should also pay attention to the difficulty of early repayment, actively respond to customer needs, respond to demands in a timely manner, and provide more convenience for borrowers to repay in advance on the basis of contractual agreements. ”
Relevant industry insiders told reporters that along with the "early repayment" boom, there have also been violations such as exchanging business loans for housing loans. "Some intermediaries will tell you that the interest rate can be as low as less than 3 points, but once it is found that there is no real business in the approval, it will be treated as a loan, and at the same time, personal credit will also be affected, affecting the future credit business. ”
The industry insider reminded that when applying for early repayment, it is necessary to pay attention to the issue of liquidated damages, "Some contracts will indicate the number of years to be satisfied, so you should ask carefully." ”
"If the interest rate of the loan itself is low, especially for customers who have a 7% discount on the interest rate in the early stage or customers who have a provident fund loan, there is no need to repay the loan in advance. "In addition, for customers who use the same amount of principal and interest and have entered the middle of the repayment stage, and customers who use the same amount of principal and have passed one-third of the repayment period, early repayment is not so cost-effective and cannot effectively save interest expenses.
(Shangguan News)