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从2004年10月29日,存贷款利息9年来第一次提升之日起,辛蔚(化名)就在琢磨是否提前还贷。2004年年初才买房,年末就遇到加息,辛蔚有些心急。不过,他很快平静下来,并没有选择在2005年之前提前还贷。他说,其实此次贷款利率幅度有限,5年以上期限的个人住房商业性贷款的利率不过从5.04%上调至5.31%,提升幄度仅为0.27%。因此,个人住房公积金贷款和个人住房商业性贷款的利率上调幅度小于贷款基准利率的调幅,贷款利率上调只是使每月的还贷金额多了几十元,略微增加厂月供的还款负
From October 29, 2004, the first increase in interest rates on deposits and loans in 9 years, Xin Wei (a pseudonym) was wondering whether to repay the loan early. Buy a house early in 2004, year-end to raise interest rates, Xin Wei some impatient. However, he quickly calmed down and did not choose to repay his loan early in 2005. He said that in fact, the loan interest rate range is limited, more than five years of personal residential commercial loan interest rates but raised to 5.01% from 5.04%, an increase of only 0.27%. Therefore, individual housing provident fund loans and personal housing commercial loans interest rates increase rate is less than the benchmark interest rate loan growth rate, the loan interest rate increase just make the monthly repayment amount more than a few dozen yuan, slightly increase the monthly negative repayments