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After Raising Interest Rates, Fixed Interest Loans Save Interest.

2010/11/20 15:40:00 73

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Fixed rate loans refer to the duration of the loan.

no matter

If the interest rate changes, the borrower will pay interest according to the fixed interest rate signed by the contract, and the repayment amount will not be changed due to the change of interest rate.

As we all know, in October 19th this year, the central bank raised interest rates for the first time in nearly three years.

Whereas

The recent rise in prices has led to the expected increase in the two rate hike. It is not good news for entrepreneurs to raise interest rates again, but Xiaobian is like you recommending fixed rate loans.

Interest rate increases, fixed interest loans save interest!

Fixed rate loans, as the name suggests, do not regulate the legal interest rate during the period stipulated by the contract. Your fixed interest rates will remain unchanged and the repayment amount will remain unchanged.

If the bet is right, interest rates really go all the way, then the fixed rate loan is undoubtedly fixed the cost of capital use, the bank lending rate may be higher than the fixed interest rate after being raised, saving interest payments, not raising interest rates once, headache.

But if we cut interest rates,

fixed

Interest rate loans are not worthwhile. They also cut interest rates once, and the pain is once. Because interest rates are fixed, they can not enjoy the benefits brought by interest reduction.

In a word, I want to save money with fixed rate loans, which is not only heartbeat.

The first thing to consider is the changing trend of the market and the latest developments in monetary policy.

But in general, the interest rate changes in the mainland can be guessed. There are strong signal hints, such as the overheated momentum of the economy, too fast money supply, too hot stock market, and excessive commercial bank loans, which may cause interest rate hikes.

And is a small drum hammer, once the interest rate increases or gradually move to start, usually a number of operations, mild control.

Regulation will be tentative, and will not be adjusted once and for all.