THE LPR OFFER WAS FINE-TUNED DOWNWARDS IN RECENT ADJUSTMENTS, WHICH LED TO A FURTHER WIDENING OF THE INTEREST RATE GAP BETWEEN OLD AND NEW CLIENTS. AS A RESULT, MANY CLIENTS BEGAN TO CONSIDER EARLY REPAYMENT OF THEIR MORTGAGES, WHICH EVEN TRIGGERED LONG TEAMS IN BANKS. WHY, THEN, IS THERE A PREMATURE SETTLEMENT OF MORTGAGES? WHAT'S BEHIND IT

What's with the advance mortgage line? What's the main reason

FIRST, THE INTEREST RATE ON THE MORTGAGE HAS UNDERGONE SEVERAL ADJUSTMENTS, INCLUDING A DOWNWARD REVISION OF THE LPR OFFER. IN ADDITION TO THE DYNAMIC REGULATION OF THE FIRST HOUSING LOAN POLICY, MANY PLACES HAVE BEGUN TO LOWER, EVEN BY ELIMINATING THE MINIMUM INTEREST RATE FOR THE FIRST HOUSING LOAN, AND THE CENTRAL BANK HAS ACCORDINGLY REDUCED THE INTEREST RATE ON THE PROVIDENT FUND LOAN. AS A RESULT, THE INTEREST RATES OF THE ORIGINAL HOUSING LOAN CLIENTS VARIED CONSIDERABLY FROM THOSE OF THE NEW CLIENTS, SO THAT MANY OF THE FORMER CLIENTS CHOSE TO REPAY THE LOANS IN ADVANCE AND TO REDUCE INTEREST EXPENDITURE。

Second, as the financial market gains, such as multiple rounds of equities and funds, decline, less risky clients no longer invest in idle funds but choose to pay in advance. As interest savings from early repayments may exceed the return on investment management。

Thirdly, the economic environment is less favourable and the income of the majority of the population has become precarious. As a result, many people want to settle their mortgages as soon as they are repayable, thus avoiding the risk that they will not be repaid in the future. At the same time, early repayment of loans has helped to reduce the burden of housing consumption and the burden of indebtedness。

Fourthly, banks have been pressured by frequent interest rate reductions, which have led to a large number of early repayments by users. As a result, many banks have raised the threshold for early repayment, such as the closure of online reservation channels. As a result, users with an intention to pay in advance would have to line up。

Finally, the poor efficiency of the bank ' s handling also contributed to the long team. The inefficiency of some banks themselves, combined with the high trend of early repayments, has led to a backlog of banking operations, resulting in long waiting periods for clients at banks。

In conclusion, the early repayment of mortgages can be judged by their respective circumstances, as early repayments saves interest costs。