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Buy a room to still shift new strategy how to borrow money more analysis of case
From;    Author:Stand originally
Have a housing that belongs to oneself, it is the dream of a lot of people. Want to buy a house, most person can need loan, consequently the room of the Central Bank borrows policy to get attention fully all the time. This year day of  3 month  17, the Central Bank adjusts a commercial bank policy of loan of housing of self-supporting sex individual, the room borrows interest rate to rise again, the reimbursement burden of the person that buy a house accentuates somewhat again. Had borrowed money the citizen that buys room and preparative loan to buy a house, how should answer bridal chamber to shift policy?   

The Central Bank announces to adjust a commercial bank since day of  3 month  17 policy of loan of housing of self-supporting sex individual, housing loan privilege interest rate returns to level of interest rate of loan of the corresponding period, allow a commercial bank to leave loan interest rate float to borrow money to corresponding deadline class at most the  0.9 of standard interest rate times. In the meantime, interest rate of loan of individual housing accumulation fund each class also go up moved  0.18 percent.   

The room of the Central Bank borrowed new policy to give a commercial bank more own right. Promulgate in new policy the following in a few days, each bank head office answers measure in what insecurity makes him, because need to expect the head office's announcement, this city room borrows business to be in suspensive condition for a time even. Each bank already made new house borrow interest rate watch now, the room borrows business to already also returned to normal.   

As we have learned, at present bank of this city some already decided the room that carries out % of  10 leaving surplus lends interest rate, some banks borrow money according to application building of particular case of the citizen, loan dish circumstance, and the state that a person of same business competes loan interest rate that differs to different borrower. That is to say, the citizen handles housing loan to the bank now, some people can get leaving the interest rate of float  10 % , some people can get standard interest rate only. New the citizen that signs a room to borrow a contract already began to still be borrowed according to new interest rate standard now, and the citizen that  3 month  17 had signed a room to borrow a contract a few days ago wants from lunar  1 of next year  1 sun rises implement new loan interest rate.   

New policy is in caused housing loan interest rate to rise once more in fact. Assume a citizen dealt with brushstroke  20 in the bank the amount that loan of 10 thousand yuan of accumulation fund,  10 mortgages loan 10 thousand yuan to comprise is  30 10 thousand yuan, loan time limit is  20 year combination borrows money, borrow money with waiting for law of reimbursement of frontal principal and interest to repay. To  20 10 thousand yuan accumulation fund borrows money part, the annual interest rate before adjusting is  4. 23 % , the loan principal and interest that should repay every months is  1236. 34 yuan, the annual interest rate after adjusting is  4. 41 % , the loan principal and interest that should repay every months is  1255. 60 yuan, after adjusting, compare before adjusting should return  19 every months more. 26 yuan. Be in whole the  20 that still borrows in year, part of loan of the accumulation fund after interest rate is adjusted should return  4624 more. 02 yuan. To  10 10 thousand yuan mortgage loan part, the rate of loan annual interest before adjusting is  5. 31 % , the loan principal and interest that should repay every months is  677. 20 yuan, after interest rate is adjusted, if carry out  6. The standard interest rate of 12 % , the loan principal and interest that should repay every months is  723. 37 yuan, ratio before adjusting return  46 more than every months. 17 yuan; If carry out  5. The interest rate leaving surplus of 508 % , the loan principal and interest that should repay every months is  688. 34 yuan, ratio before adjusting return  11 more than every months. 14 yuan. Be in whole the  20 that still borrows in year, if implement standard interest rate, mortgage loan part to want to return  11080 more. 96 yuan; If implement the interest rate of % of  10 leaving surplus, want to return  2673 more. 3 yuan. That is to say, to this gross  30 10 thousand yuan combination borrows money, if new policy is carried out hind the interest rate that those who carry out is % of  10 leaving surplus, want every months to return  30 more than before. 4 yuan, want to return  7297 more in all. 32 yuan; If carry out, is standard interest rate, want every months to return  65 more than before. 43 yuan, want to return  15704 more in all. 98 yuan.   
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