5 thoughts on “The central bank's "interest rate cut"! In time, do you want to repay the mortgage in advance?”
Ethel
In order to stimulate the development of the economy, the central bank began to "cut interest rates", hoping that ordinary people and enterprises can take the initiative to go to bank loans. But at the same time, for those who have a loan because of the purchase of a house, you can consider repaying the mortgage in advance. First of all, those who have stable long -term income and have a high income, whether to repay the mortgage in advance depends on individuals. After all, the longer some people have the loan repayment cycle, the more cost -effective they. Secondly, those who have low income, because their income is not high, it is recommended to take advantage of the current interest rate. If there is conditions, you should quickly repay the mortgage. Whether it is partial or all, you will feel that life is extremely relaxed since then. In addition, if your income is not high but wants to reduce the pressure, then you can pay a part of it first. From the second month or next year, you will find that the monthly repayment amount is significantly reduced. The feeling is really cool. 1. If the income is stable, you can repay the mortgage in advance
In some people choose a longer repayment cycle when choosing a mortgage. Because from the perspective of inflation, the monthly repayment amount after ten years or twenty years is nothing at all. Especially for those with high income and stable income, it seems that it seems that it is not much different to repay the mortgage in advance. 2, low -income persons should still try to pay as much as possible
If the conditions of low -income people, if they have the conditions, they should take advantage of the central bank's interest rate and find a way to pay off the mortgage. After all, the monthly loan is very high in income, which is a great pressure for everyone. Of course, where the money that involves the mortgage of housing repaying is actually the truth here. If you can find a way to pay off in advance, it will make the lender much easier. 3, first part of the pressure can be reduced
If you want to repay the mortgage in advance, but it is not so thick, then it is recommended that you pay a part first. If you are now 3,500 per month, if you pay 100,000 yuan at one time, under the influence of low interest rates, you find that the monthly loan amount is significantly reduced from the second month. This is a very happy thing for every family.
I think you only need to keep a normal repayment, and there is no need to repay in advance. It is likely that the policy will be better in the future. We can wait to see it
I think this requires a person's own investment ability, not everyone is suitable for repayment in advance. It to some extent, after the central bank actively cuts interest rates, this itself means that the interest loan interest that the majority of home buyers need to pay will become less, so everyone does not need to repay the loan in advance because of this problem. For our ordinary home buyers, if a person's independent investment ability is very strong, when the annual return of this person's investment can reach more than 4%, this person does not need to repay the mortgage in advance. If you can't do this, active repayment in advance may be suitable for more home buyers. This problem depends on everyone's investment ability. It you can try this way: After applying for a personal housing loan, this person needs to pay at least 4.1%of the housing loan interest each year. Although the 4.1%of them sounded high together, if this number is converted to 20 to 30 years, we will find that the interest of the mortgage loan is basically similar to the principal. If a person's investment ability is very strong, this person needs to ensure that at least 4.1%of investment returns can be obtained at least each year. Buyers who have this ability do not need to repay the loan in advance. I think most people need to choose to repay the loan in advance. It personally, because most ordinary home buyers in real life have no way to get a 4.1%stable annual investment return, most people will actually be more suitable for repayment in advance. Especially when we have a certain cash in our hands, even if we cannot settle all personal housing loans at one time, we can also try to settle some principal in advance. This method can help us further reduce the interest from mortgages. . Finally, because the future real estate market will become worse and worse, the future mortgage interest may continue to be reduced. In this case, because the mortgage that most people applied for is floating interest, most buyers can enjoy the benefits brought by the interest of the mortgage, which also means Excessive worry.
In order to stimulate the development of the economy, the central bank began to "cut interest rates", hoping that ordinary people and enterprises can take the initiative to go to bank loans. But at the same time, for those who have a loan because of the purchase of a house, you can consider repaying the mortgage in advance. First of all, those who have stable long -term income and have a high income, whether to repay the mortgage in advance depends on individuals. After all, the longer some people have the loan repayment cycle, the more cost -effective they. Secondly, those who have low income, because their income is not high, it is recommended to take advantage of the current interest rate. If there is conditions, you should quickly repay the mortgage. Whether it is partial or all, you will feel that life is extremely relaxed since then. In addition, if your income is not high but wants to reduce the pressure, then you can pay a part of it first. From the second month or next year, you will find that the monthly repayment amount is significantly reduced. The feeling is really cool.
1. If the income is stable, you can repay the mortgage in advance
In some people choose a longer repayment cycle when choosing a mortgage. Because from the perspective of inflation, the monthly repayment amount after ten years or twenty years is nothing at all. Especially for those with high income and stable income, it seems that it seems that it is not much different to repay the mortgage in advance.
2, low -income persons should still try to pay as much as possible
If the conditions of low -income people, if they have the conditions, they should take advantage of the central bank's interest rate and find a way to pay off the mortgage. After all, the monthly loan is very high in income, which is a great pressure for everyone. Of course, where the money that involves the mortgage of housing repaying is actually the truth here. If you can find a way to pay off in advance, it will make the lender much easier.
3, first part of the pressure can be reduced
If you want to repay the mortgage in advance, but it is not so thick, then it is recommended that you pay a part first. If you are now 3,500 per month, if you pay 100,000 yuan at one time, under the influence of low interest rates, you find that the monthly loan amount is significantly reduced from the second month. This is a very happy thing for every family.
I don't think the interest is reduced, indicating that you have less repayment every month, you can take this money to make other investments.
Since it has been reduced, you can repay the loan in advance, but it may be reduced in the future, so let's wait!
I think you only need to keep a normal repayment, and there is no need to repay in advance. It is likely that the policy will be better in the future. We can wait to see it
I think this requires a person's own investment ability, not everyone is suitable for repayment in advance.
It to some extent, after the central bank actively cuts interest rates, this itself means that the interest loan interest that the majority of home buyers need to pay will become less, so everyone does not need to repay the loan in advance because of this problem. For our ordinary home buyers, if a person's independent investment ability is very strong, when the annual return of this person's investment can reach more than 4%, this person does not need to repay the mortgage in advance. If you can't do this, active repayment in advance may be suitable for more home buyers.
This problem depends on everyone's investment ability.
It you can try this way: After applying for a personal housing loan, this person needs to pay at least 4.1%of the housing loan interest each year. Although the 4.1%of them sounded high together, if this number is converted to 20 to 30 years, we will find that the interest of the mortgage loan is basically similar to the principal. If a person's investment ability is very strong, this person needs to ensure that at least 4.1%of investment returns can be obtained at least each year. Buyers who have this ability do not need to repay the loan in advance.
I think most people need to choose to repay the loan in advance.
It personally, because most ordinary home buyers in real life have no way to get a 4.1%stable annual investment return, most people will actually be more suitable for repayment in advance. Especially when we have a certain cash in our hands, even if we cannot settle all personal housing loans at one time, we can also try to settle some principal in advance. This method can help us further reduce the interest from mortgages.
. Finally, because the future real estate market will become worse and worse, the future mortgage interest may continue to be reduced. In this case, because the mortgage that most people applied for is floating interest, most buyers can enjoy the benefits brought by the interest of the mortgage, which also means Excessive worry.