3月17日,央行再次调高个人住房贷款利率后,更多市民打算提前还贷.据银行业人士预计,由于新利率要在明年1月1日才正式执行,所以年底将掀起一股提前还贷的高潮.为制止提前还贷的势头,多家银行(主要是国有商业银行)正在考虑收取违约金,以弥补市民提前还贷所带来的利息损失. March 17, the central bank once again raised the personal housing loan interest rates, more people intend to repay the loan early, according to banking industry is expected, as the new interest rate to be officially implemented on January 1 next year, so the end of the year will set off an advance Repay the climax to stop the momentum of repayment ahead of schedule, many banks (mainly state-owned commercial banks) are considering liquidated damages to make up for the loss of interest caused by early repayment of the citizens.