2015 after a central bank interest rate cuts are good for who?
2015 Central Bank rate cut March 1 deposit and loan interest rates down 0.25%. Many people believe that central banks cut interest rates on the loans is certainly beneficial. This is correct, but the benefit is conditional.
first, after the Central Bank cut interest rates for loans, there are clear advantages, the natural standard at the new rates.
was followed for a loan period of one year (including one year) within the borrowers, Central Bank rate cuts matter to myself. Short-term loan contract rates, no segment recorded income.
third, at some banks, loan maturity greater than one year you may not be able to enjoy the benefits. Some of the banks in order to avoid the risk of interest rate fluctuations, usually within a three-year term of the loan (mostly auto loans) for years for months in accordance with national policy adjustments will be interest rates, lending on April 20, 2014, on May 20, 2015, according to the people's Bank of China adjusted interest rates, in this case, loans made on or after March 2014 in years to the month after the expiration of this time can enjoy preferential interest, And lending by March 2014 can only be seen for years to the month after the expiration of the loan interest rate policy!
remaining loan (basically mortgages), you can enjoy the benefits of Central Bank interest rate cuts, but also sanliujiudeng, as follows:
1, mortgage contract after January 1, 2015 until January 1, 2016, can enjoy the benefits of March 1, 2015 the rate cuts.
2, has just signed a contract before the Central Bank cut interest rates loan, do not enjoy the discount. Material handling, but did not sign a contract, banks could be required to under the new rates have signed contracts not lending requires borrowers to lenders fix interest rates stipulated in the contract in a timely manner, otherwise people hands down there lenders.
of course, the Central Bank cut interest rates for savings deposits was certainly bad news for babies or banking product, meant that yield declined.