虽然仅仅是0.27%的浮动,但其直接影响是购房者贷款利息的增加。利率上调已经是不争的事实,那么,在这种情况下,如何尽量减少自己贷款的利息支出,恐怕是诸多购房者迫切想要解决的问题。随着记者采访的深入,明显感受到,同样是贷款,不同种类、还款方式之间的差别也随着利率提高而加大。到底该选择什么样的还款方式,怎样才能少付出贷款利息?为此,本刊记者走访了青岛各主要商业银行,为“房贷族”寻求应对之策。固定房贷利率规避上涨风险“固定利率住房贷款”就是在贷款合同签订时即设定好固定的利率。在贷款合同期内,不论市场利率如何变动,借款人都按照固定的利率支付利息,不需要“随行就市”。专家建议,选择固定利率房贷,可以在相当程度上规避利率上涨带来的风险。 Although only 0.27% of the float, but its direct impact is the increase in home loan interest. Interest rate increase is an undisputed fact, then, in this case, how to minimize the interest expense of their loans, I am afraid that many home buyers are urgently want to solve the problem. With the deepening of interviews with reporters, we clearly felt that the same is the loan, different types, the difference between the repayment method also increases with the interest rate increase. In the end what kind of repayment method should be chosen and how can we pay less interest on the loan? To this end, we interviewed major commercial banks in Qingdao and sought solutions for the “mortgage family”. Fixed mortgage interest rates to avoid the rising risk “fixed-rate housing loans” is the loan contract is set to set a fixed interest rate. During the loan contract period, borrowers pay interest at a fixed interest rate regardless of changes in market interest rates, and do not need to “go public”. Experts suggest that the choice of fixed-rate mortgages, to a considerable extent, to avoid the risk of rising interest rates.