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2002年2月21日,伴随着银行存、贷款利率的再次下调,个人住房贷款的大量提前还款以及外资银行进入中国金融市场并开展收费服务,商业银行对提前归还的按揭贷款收取违约金的呼声日益高涨。对提前归还的个人住房贷款收取一定比率的违约金政策将使银行掌握新的信贷资金调控手段,改善当前商业银行在个人住房贷款领域中收益与风险不对等的现状。
On February 21, 2002, with the bank deposit and lending rates lowered again, a large amount of prepayment for personal housing loans and foreign banks entered into the financial market in China and launched fee-based services, commercial banks charged liquidated damages for mortgages repaid ahead of schedule Growing voices. The liquidated damages policy of charging a certain percentage of individual housing loans repaid in advance will enable banks to grasp new means of controlling credit funds and improve the status quo of the current commercial banks’ unequal return and risk in the field of individual housing loans.