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Bank Loan Ratio Is Approaching The Red Line &Nbsp; Early Repayment Of Loans To A Minimum Of 10000 Yuan.

2010/6/26 16:22:00 38

Affected by the tight liquidity of banks, some commercial banks are quietly lowering the threshold of repayment in advance.

Yesterday, reporters visited a number of cities.

commercial bank

Found that some small and medium-sized joint-stock banks not only cancelled the advance loan repayment system, but quietly reduced the loan repayment limit from about 50 thousand yuan to 10 thousand yuan.

Nevertheless, the Chongqing area has not yet seen the tide of early repayment of loans, or even the amount of loan repayment ahead of schedule.

Bankers analysis, negative interest rate era, investors are more willing to buy financial products.

Advance payment without appointment

Ms. Wang, who lives in Nanping Road, Nanping City, is one of our city.

Joint-stock banks

Mortgage customers.

In the past one or two years, Ms. Wang has rushed to repay the loan in advance by saving the loan interest at the end of the year.

In the past, Ms. Wang had to make an appointment with the bank about half a month in advance. Then the bank had to go through a process of approval, sometimes even for nearly a month.

Let Ms. Liu wonder that this year's early repayment of banks appears to be very refreshing, without making an appointment in advance, it can handle related business on the spot.

"At the beginning of this year, we need to make an appointment in advance at least one week in advance, after a relatively complicated examination and approval process."

The loan department of the joint-stock bank confirmed to reporters that at present, the bank has to make an advance payment in advance without making an appointment in advance, so long as it carries an ID card and mortgage debit account, it can handle the relevant procedures at the scene.

Another joint-stock bank manager Chen said that as long as mortgage payments are made every month, customers can go directly to the counter for early repayment.

The minimum repayment amount fell to 10 thousand

In addition to the cancellation of the advance reservation threshold, some banks will also have a "discount" on the minimum repayment amount set.

Before, many banks were located at more than 50 thousand yuan, or even higher.

By contrast, the bottom line of Chongqing's early repayment of loans has generally fallen to around 10 thousand yuan this year, and individual banks have even reduced to 5000 yuan.

A joint-stock bank's gold division confirmed that customers should repay the loan ahead of time, in principle, at least equivalent to the amount of monthly mortgage payments.

But it is best to repay the loan 10 thousand times or 10 thousand yuan in advance, so it is easy to calculate the principal and interest.

Most of the banks in Chongqing still have to pay a certain amount of liquidated damages, which is equivalent to paying 1 months' interest more.

Reason

Deposit loan ratio approaching red line

Early repayment will reduce banks.

Interest income

Why are some banks changing their attitudes?

Bank analysts analysis, in the case of tight silver, many small and medium banks have already used this year's loan amount almost, and the deposit and loan ratio has approached the regulatory red line.

According to the requirements of the CBRC, the deposit to loan ratio of each bank should reach 75% of the regulatory requirements by the end of June, otherwise it will incur regulatory penalties.

With the approaching of the regulatory deadline, some people will repay the loan ahead of time. This part of the small and medium banks will generally accept it.

Effect

The amount of loan repayment has shrunk considerably compared with previous years.

Although the threshold for early repayment is declining, the public is not buying it.

Reporters interviewed a number of commercial banks got the news that not only did Chongqing not like other parts of the city appear early repayment of the tide, or even early repayment of the scale is still shrinking.

A large state-owned bank's home loan officer told reporters that the bank's early repayment amount in May was reduced by more than ten million yuan over the same period.

In this regard, the bank personage analysis, in tight monetary and negative interest rates, many people want to repay the loan does not come out, if there are better investment channels, early repayment of the loan is obviously not cost-effective.

Therefore, the public is more willing to use idle funds to buy stocks or buy financial products, so as to increase profits.