early in the text just bought a set of three-way second-hand housing of Mr. Zhou has recently anxious to raise the money to banks next week intend to advance repayment procedures.
the third time the central bank rate increases heat has not yet subsided, most recently in Hangzhou banks financial management division received a lot of mortgage-related advisory telephone. And Mr. Zhou have the same idea a number of lenders, we all thought that rising interest rates, by reducing the loan principal to deal with that this is a very easy calculation of the sale. However, how to deal with rate increases after the mortgage, financial experts worthy of reference.
proposal
first purchase of financial products are not anxious repayment
Guangdong Development Bank Desheng Li Jie branch financial management division provides a first look at the issue to another point: There is a term in economics is called the opportunity cost of money loan if it is not used, it can invest, invest the proceeds may be is the opportunity cost of money.
Li Jie believe that the bull market background, more and more financial products, and earnings are pretty good. If by the end of January 2007 to 6 months, stock-based open-end fund yield as high as about 43%. Some of the trust, banking financial products yields are more than loan interest rates. If the public to invest in a sound financial performance products, the proceeds have the opportunity to far higher than the loan interest rates.
recommendation II
repayment Bibi manner in which the former is more cost-effective
Mr. Zhou in January this year to buy a set of second-hand housing, a total of 80 million; 500,000 yuan of loans, duration 20 years. After 3 times this year after interest rate increase since January 1, 2008 onwards, Mr. Lee will be the implementation of the loan interest rate of 6.273 percent. After the implementation of the new interest rates, Mr. Lee will be the monthly repayment 3656.6 yuan, 127.9 yuan more than the initial increase.
despite the financial division advised him to buy financial products, but Mr. Zhou made up his mind early repayment of part of the end of this year. Analysis of financial management division, Mr. Zhou There are four ways to repay ahead of schedule as one of the choices. The loan in 2008, before the remaining principal amount of 487,532.3 yuan, assuming that Mr. Zhou Prepayment 100,000 yuan, respectively, the following four ways to operate, which is more money Bibi.
NO1: to maintain the same monthly repayment amount and shorten the repayment period. In this way, the remainder of the loan repayment is still 3528.7 yuan per month, is likely to take 13 years 7 months to pay off loans, time 5 years and 5 months; interest of about 190,000 yuan.
NO2: to maintain the same repayment period to reduce the monthly repayment amount. In this way, the remainder of the loan is still in accordance with the 29 months to pay off the monthly repayments required to 2906.6 yuan; interest totaling 278,066 yuan.
NO3: not only reduce the monthly repayment amount also shorten the duration. Assumptions on Mr. Zhou hoped to 3,500 yuan for control within the control of the repayment period of 15 years, then Lee may choose to 3327.7 yuan on for a period of 15 years of this program the repayment of loans; interest Total 211,444.8 yuan.
NO4: remaining loans 487,532.3 yuan to maintain the total principal amount of the same, only to shorten the period of repayment. That is, Mr. Lee to 100,000 yuan dismembered, distribution of the monthly repayment; the assumption that the remainder of the loan repayment period to 10 years, the monthly repayment amount from the initial 3528.7 yuan to 5479.7 yuan. A total of 170,030 yuan of interest.
the proposed provident fund loans with more than 3
the rate hike, there is a characteristic, although the business loan and fund the loan at the same time the interest rate adjustment, but adjustment is not the same. Individual housing provident fund lending rate 0.09 percentage point increase in the corresponding 5-year interest rate from 4.59 percent above adjusted to 4.95 percent. And more than 5 years are up 0.18 percent loan. In this way, business loan and fund the gap between lending rates further.
Miss Xiao is a joint venture employees, has been deposited in the provident fund for 2 years, other conditions are also in line with the Provident Fund loan application requirements. Not long ago she had just bought a house a total of 800,000 yuan. Miss Xiao ready to 300,000 yuan loan, the loan period is 20 years. Hangzhou Everbright Bank financial management division傅凌燕calculation for her to take several loans the total amount of interest, in accordance with the matching principal and interest, loans, 300000, age 20 years of commercial loans and provident fund loans will reach 3 difference 101,574.59 yuan, a provident fund with low interest rates advantage is obvious.
机会利用财务管理Adoboli加息需要谨慎对待提前偿还后
“利率再次，我要偿还部分贷款。 ”早在文字刚买了一套三路二手房的周先生最近急于筹集资金，以银行下周打算推进偿还程序。
第三次央行加息热尚未平息，最近一次是在杭州银行金融管理司收到了大量的抵押贷款相关的咨询电话。和周先生有同样想法的一些贷款，但我们都认为，利率上升，通过减少贷款本金来处理，这是一个非常容易计算出售。然而，如何处理加息后，抵押贷款，金融专家值得参考。
提案
首次购买的金融产品并不急于偿还
“如果从经济的角度来看，也可能提前的更大的信贷成本。 ”广东发展银行德胜黎其讹处财务管理司提供的{dy}个研究这个问题，另一种观点：有一个长期被称为经济学的机会成本，资金贷款如果不使用，它可以投资，投资收益可能是机会成本钱。
黎其哦认为，牛市背景下，越来越多的金融产品，和收益不错。如果在2007年1月底至6个月，股票为基础的开放式基金收益率高达约43 ％ 。一些信托，银行金融产品的收益率超过贷款利率。如果市民投资于一个健全的财政业绩的产品，收益有机会远高于贷款利率。 “
建议II
比比
还款方式，前者更符合成本效益的
周先生于今年1月购买了一套二手房，共80万美元;五十零点〇 〇 〇万元的贷款，期限20年。经过3次后，今年提高利率，因为2008年1月1日起，李某将执行贷款利息率6.273百分之。实施后新的利率，李先生将每月还款三千六百五十六点六元，一百二十七点九元超过最初的增加。
尽管财政司劝他买的金融产品，但周先生提出了他心里提前偿还部分在今年年底。分析财务管理司，周先生有四种方式来偿还原计划提前作为一个选择。这笔贷款在2008年之前，其余的本金487,532.3元，假设周先生预付十点○万元，分别以下四种方式操作，这是更多的钱比比。
第1期：保持同样的每月还款额，缩短还款期。通过这种方式，其余的仍是贷款偿还三千五百二十八点七元每月，可能需要13年7个月还清贷款，时间5年5个月;利益有关十九点〇 〇 〇万元。
二氧化氮：保持同样的还款期，以减少每月还款额。这样，剩余的贷款仍然是根据29个月来支付每月的还款要求二千九百〇六点六元;利息总额二十七万八千○六十六元。
硝酸：不仅减少每月还款额又缩短期限。设想周先生希望三千五元控制的控制范围内的还款期为15年，那么李可以选择三千三百二十七点七元进行了为期15年的这一计划还款;利息共计211,444.8元。
4号：剩余贷款487,532.3元保持总本金不变，只缩短还款期。也就是说，李某以十点〇万元肢解，分配每月还款;假设剩余贷款偿还期为10年，每月还款额从最初的三千五百二十八点七元以五千四百七十九点七元。总共十七点零零三万元的兴趣。
拟议公积金贷款超过3
加息，还有一个特点是，虽然商业贷款和基金的贷款，同时利率的调整，但调整并不相同。个人住房公积金贷款利率0.09个百分点，增加了相应的5年期利率从4.59上述调整为百分之百分之4.95 。而5年以上的贷款增长百分之0.18 。通过这种方式，商业贷款和基金之间的差距进一步的贷款利率。
肖小姐是一家合资企业的员工，一直存放在公积金2年，其他条件也符合公积金贷款申请的要求。不久前她刚刚买了一所房子，共80万元。肖小姐准备三十○点○○○万元贷款，贷款期限为20年。杭州光大银行的财务管理司傅凌燕计算她采取一些贷款总额的利息，按照相应的本金和利息，贷款， 300000 ，年龄20年的商业贷款和公积金贷款将达到3差异101,574.59元，公积金低利率的优势是显而易见的。
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