From the finance that believes the building medium such as real estate of a day of praedial, Central Plains acting branch understands, add the client that comes round to seek advice from room of fixed interest rate to borrow after breath to grow substantially apparently.
Analysis of house property expert thinks, commercial loan interest rate is moved on this second Central Bank, make clear add news channel to had been opened. And of interest rate go up ceaselessly tone, highlight the advantage of fixed interest rate.
It is with the fixed interest rate that at present Guang Dayin rolls out all right exemple, because its are adding breath hind to had be notted adjust to securing interest rate to make, the interest rate that fixed interest room lends is borrowed under room of common float interest rate apparently.
For instance, at present fixed loan interest rate still carries out smooth big bank 3 years period the following and standard interest rate is 6.12 ％ , 3-5 year period (contain) standard interest rate is 6.21 ％ , 5-10 year period (contain) standard interest rate is 6.45 ％ , and add newest loan is at present standard after breath interest rate parts to be mixed for 6.57 ％ , 6.75 ％ 7.11 ％ . (with loan 300 thousand yuan are exemple, the case of contrast of lunar reimbursement specified amount that chooses float interest rate and fixed interest rate) (see subordinate list) .
Can see, with 10 years period the room is borrowed for exemple, fixed interest rate is at present lower than float interest rate 0.66 ％ , use fixed interest rate, every months of reimbursement saved 101.47 yuan than float interest rate.
House property expert suggests, because at present each bank has not undertake adjustment to securing interest rate, the customer that wants a room to borrow right now mights as well consider to secure interest rate business.
Current, travel of the Construction Bank, action, Agriculture Bank, Guang Dayin had rolled out room of fixed interest rate to shift business all right.
Risk of smoother to income of this kind of future, interest rate assumes ability for not strong client, the choice secures interest rate room to borrow, also be current interest rate rises a more well-advised decision in cycle.
Substantival explanation
Loan of fixed interest rate is to point to inside loan time limit, no matter how does bank interest rate change, borrower pays interest the fixed interest rate that signs according to the contract, won't change because of interest rate and change reimbursement number.

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