Since January 1, the new interest rate that increases breath hind is carried out formally, among them 5 years period room borrows interest rate to already was as high as 7.83% , relatively the tower above of interest rate level of the beginning of the year is close 2007 a percent. The reporter interviews discovery recently, suffer interest rate to increase an influence, the person that many Chongqing city loan buy a house is taken the advantage of end of the year pocket " rouse " during ahead of schedule reimbursement.

In the site of a bank of bridge of avalokitesvara of area of Chongqing river north, mr Zhang tells the citizen the reporter, last year the beginning of the year, he borrows money 200 thousand yuan bought one ring house in area of north of Chongqing city change, plan to pay off loan with 20 years of time according to loan contract originally. But now, because be moved on loan interest rate, the month is offerred and interest rises considerably. Accordingly, he uses an unit to was sent recently award is mixed end of the year from kin friend over there borrowed money, pay off loan ahead of schedule.

As we have learned, principal and interest waiting for the forehead and capital waiting for the forehead is at present two kinds of the mainest rooms borrow reimbursement way, waiting for frontal principal and interest to still be borrowed among them is the person that buy a house returns loan principal and interest every months by same amount, month by month of the interest in lunar reimbursement is degressive, capital month by month increases by degrees; Waiting for frontal capital to still be borrowed is the person that buy a house every months the capital in reimbursement holds same amount, interest month by month is degressive. Compare and character, if return a room to borrow ahead of schedule,

"Actually, loan is bought the room shifts to an earlier date inside 3 years reimbursement not be to one's profit. " expert of conduct financial transactions of Chongqing city bank says, with brushstroke deadline 20 years, 200 thousand yuan room lends amount for exemple, the person that buy a house in order to wait for reimbursement of means of frontal principal and interest, the capital after wanting 84 months about just can exceed interest, and 2 times the interest that pays inside 3 years is capital almost, greatly the interest that prep above increases because of the attune on interest rate. Accordingly, if buy a house person still borrow ahead of schedule inside 3 years, the much that its month offers is used at remanding actually accrual, be equal to gave bank brushstroke interest in vain.

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