In the 6-year-long cycle of interest rate increases after the end of September this year, people start to cut interest rates for a review of "taste." Yesterday the central bank again lowered the benchmark deposit and lending interest rates by as much as 1.08 percentage point, great effort is unprecedented.
In such a rate cut, it was joy, it was confused, more in: cut interest rates sharply, in the hands of the deposit is removed from the bank? Their assets, liabilities will change it?
Chung, "Housing slave" a lot of burden
The central bank has cut interest rates this year, the fourth rate cut. No matter what, for many, "Housing slave" is worth cheering. Since the rate cut than the previous all, it can pay less Yue Gongkuan and repayment of principal and interest are also more of the total.
500,000 yuan to 20 years "old home" as an example, the assumption is the first suite, enjoy Fifteen per cent discount is the interest rate mortgages offered to take the matching method of repayment of principal and interest, this year's Yue Gongkuan to 3773.78 yuan, a cumulative total is also For the amount of 905707.23 yuan, the new interest rate adjustment next year, Yue Gongkuan 3355.83 yuan and 417.95 yuan savings, the total cumulative amount of repayment 805398.64 yuan, saving 100308.59 yuan.
The Sept. 16 loans for the public, because until January 1 next year before starting the implementation of the new interest rates, these "old home" to enjoy the benefits of the 4th to cut interest rates. Sept. 16, more than 5-year benchmark lending rate is 7.83 percent, to enjoy a mortgage Fifteen per cent discount, which is 6.6555%, on November 27 a new benchmark interest rate is 6.12 percent, Fifteen per cent discount is 5.202% .
Loss of interest on deposits is not a small
The arrival of the financial crisis so many people to put money into the bank. Cut each time, there will be a lot of people Naoxin: get a good save. Then, after the rate cut, the money deposited in banks to the public interest will be how much damage it?
To 10,000 yuan one-year deposits, for example: the original one-year rate of 3.6 percent, 1.08 percent rate cut, one-year interest at the rate of 2.52 percent, to cut interest rates before the 10,000 yuan to 360 yuan to be of interest. After the rate cut, the less you earn an annual interest rate of 360 yuan yuan -252 = 108 yuan, a decrease of 30% interest, we can see the magnitude of the rate cut.
By the continuous interest rates also affect the RMB financial products. At present, the RMB credit-management products, paper and bond-type products in the past two months, these types of products that yield both a larger decline. Xiamen Bank believe that the rate cut, the RMB financial products could yield a further reduction.
Ying big positive bond market
The capital preservation, high deposit interest rates than bonds, after the rate cut will no doubt be more popular these days. In the third period Monday to issue electronic savings bonds, for example, 3-year period, nominal annual interest rate of 5.17 percent. Not only yield is much higher than the same period of deposit 3.60 percent, compared with RMB financial products are more or less the same or even higher.
Not only government bonds, as well as the recent cut in a row in a strong role in the expected rate cut, the inter-bank bond market and bond market exchanges in all varieties of bonds are rising all the way, actively traded. Bond fund performance has been quite good.
"The sharp rate cut for the bond market is a big positive." Xiamen Xin Lu, an analyst of great prosperity in the town that gold, while the bond market reaction to the rate cut has been ahead of schedule, but the market had expected the rate cut was only 54 basis points, while the actual Drop than expected, the bond market's advances on several occasions previously expected to cut interest rates basically rationally to digest the. The reserve rate cut will help improve the financial side, so the bond market will rise to a reasonable track. However, the lower credit rating for bond investors to avoid or at all. "
In such a rate cut, it was joy, it was confused, more in: cut interest rates sharply, in the hands of the deposit is removed from the bank? Their assets, liabilities will change it?
Chung, "Housing slave" a lot of burden
The central bank has cut interest rates this year, the fourth rate cut. No matter what, for many, "Housing slave" is worth cheering. Since the rate cut than the previous all, it can pay less Yue Gongkuan and repayment of principal and interest are also more of the total.
500,000 yuan to 20 years "old home" as an example, the assumption is the first suite, enjoy Fifteen per cent discount is the interest rate mortgages offered to take the matching method of repayment of principal and interest, this year's Yue Gongkuan to 3773.78 yuan, a cumulative total is also For the amount of 905707.23 yuan, the new interest rate adjustment next year, Yue Gongkuan 3355.83 yuan and 417.95 yuan savings, the total cumulative amount of repayment 805398.64 yuan, saving 100308.59 yuan.
The Sept. 16 loans for the public, because until January 1 next year before starting the implementation of the new interest rates, these "old home" to enjoy the benefits of the 4th to cut interest rates. Sept. 16, more than 5-year benchmark lending rate is 7.83 percent, to enjoy a mortgage Fifteen per cent discount, which is 6.6555%, on November 27 a new benchmark interest rate is 6.12 percent, Fifteen per cent discount is 5.202% .
Loss of interest on deposits is not a small
The arrival of the financial crisis so many people to put money into the bank. Cut each time, there will be a lot of people Naoxin: get a good save. Then, after the rate cut, the money deposited in banks to the public interest will be how much damage it?
To 10,000 yuan one-year deposits, for example: the original one-year rate of 3.6 percent, 1.08 percent rate cut, one-year interest at the rate of 2.52 percent, to cut interest rates before the 10,000 yuan to 360 yuan to be of interest. After the rate cut, the less you earn an annual interest rate of 360 yuan yuan -252 = 108 yuan, a decrease of 30% interest, we can see the magnitude of the rate cut.
By the continuous interest rates also affect the RMB financial products. At present, the RMB credit-management products, paper and bond-type products in the past two months, these types of products that yield both a larger decline. Xiamen Bank believe that the rate cut, the RMB financial products could yield a further reduction.
Ying big positive bond market
The capital preservation, high deposit interest rates than bonds, after the rate cut will no doubt be more popular these days. In the third period Monday to issue electronic savings bonds, for example, 3-year period, nominal annual interest rate of 5.17 percent. Not only yield is much higher than the same period of deposit 3.60 percent, compared with RMB financial products are more or less the same or even higher.
Not only government bonds, as well as the recent cut in a row in a strong role in the expected rate cut, the inter-bank bond market and bond market exchanges in all varieties of bonds are rising all the way, actively traded. Bond fund performance has been quite good.
"The sharp rate cut for the bond market is a big positive." Xiamen Xin Lu, an analyst of great prosperity in the town that gold, while the bond market reaction to the rate cut has been ahead of schedule, but the market had expected the rate cut was only 54 basis points, while the actual Drop than expected, the bond market's advances on several occasions previously expected to cut interest rates basically rationally to digest the. The reserve rate cut will help improve the financial side, so the bond market will rise to a reasonable track. However, the lower credit rating for bond investors to avoid or at all. "
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