See again add breath. To buying a house person for, most get attention should belong to rise of interest rate of loan of 5 years of above 0.18% , achieve 7.56% , and interest rate of accumulation fund loan also go up again move 0.09 percent, achieve 5.04% , and the portion added the commercial loan interest rate before breath to keep balance in October 2004. To course of study inside, a year period standard interest rate also is achieved 7.02% , had stridden this 7% bank, mentally or some shake.
Business signs up for 琣 of 祎 of reporter Xu Jian's trainee old man
This has been the Central Bank is added the 4th times this year breath, it is in the bookshops probably cease to ending guild is added again forecast early incessant Yu Er, the reporter investigates discovery, new round add great billows is lifted in ceasing to not was in building city, the person that buy a house still holds to his to buy the intention of the room at an early date, intermediary door inn also predicts raw sense as usual is hot. The expert thinks, epicycle is added breath the meaning to the bank, be more than the meaning to the individual.
A year period 200 base point are moved on standard interest rate
Review before, by arrived on October 29, 2004 till August 22, 2007, the Central Bank go up 8 times early or late in all mix interest rate, although be in major person eye, go up every time appear " negligible " , but the brings finally as a result influence of quantitative change is far-reaching still -- a year period loan is standard interest rate go up in all move nearly 2 percent, namely 200 base point. The interest rate before be being moved than going up first in October 2004 jumps 32% .
Be like with amount 400 thousand yuan, housing of 20 years mortgages deadline loan is exemple, the reimbursement means that presses capital waiting for the forehead calculates, standard 2004 interest rate is 5.76% , reimbursement of every months of need 2810.62 yuan, total reimbursement is 674548.33 yuan, standard interest rate is after August 2007 7.56% , need reimbursement every months to be 3237.06 yuan, total reimbursement is 776895.32 yuan. than below, total reimbursement specified amount increased about 100 thousand yuan.
the person buy a house that makes an appointment with to been sign, because be added 4 times so far this year,cease, will rise to be carried out according to new interest rate standard on January 1 in next year, month of usurer next year offers certainly will rocket.
Like the commerce with 800 thousand yuan 200 thousand yuan of loan, accumulation fund borrow money, 20 years period for exemple, press first trade standard interest rate 6.84% computation, next float 15% , enjoyment favourable interest rate is 5.814% , it is with 20 years plan, accrual is 550 thousand yuan; Press existing commerce standard interest rate 7.56% computation, favourable interest rate is 6.426% , accrual is 620 thousand yuan. The interest that increases breath hind increased 70 thousand yuan than before, accumulative total paid 291.6 yuan to every months many. Accumulation fund part, press original and standard interest rate 4.59% computation, it is with 20 years plan, accrual is 106008 yuan; Press existing accumulation fund standard interest rate 5.04% computation, accrual is 117840 yuan. Add breath hind, accrual increased 11832 yuan than before, accumulative total pays 49.3 yuan to every months many. Commerce and accumulation fund loan are aggregate, interest number increases 82 thousand yuan in all, every months of reimbursement should pay 340.9 yuan more. Interest expenses of every months will rise 10% above, the amplitude that still always lends the specified amount every months is adjacent also 10% . And, interest rate still will continue very likely to move this year.