40万房贷每月少还200多元 400000 mortgage every month is less 200 yuan

　　合肥徽商银行率先执行首套房85折利率优惠，让一大批拖延苦苦等待利率优惠的购房者看到了一丝曙光，很大程度上减轻了房奴们的还款压力。

Hefei hui merchants bank executive suite 85 fold the first favorable interest rate，Let a large delay had been waiting for buyers see the favorable interest rate gleam of light，To a great extent, reduce the pressure of a mortgage slave payments。

　　为此，本站以一笔20年40万的商业贷款、等额本息的还款方式为例，为广大购房者算了一笔账。

For this，This site to a 20 years 400000 business loans、The repayment of principal and interest waiting for the forehead way for example，For the buyers calculate a bill。

　　如果是基准利率，总还款为72万；还款利息为32万；月均还款为2994元；

If it's benchmark rates，Total reimbursement for 720000；Repayment interest for 320000；The average monthly reimbursement for 2994 yuan；

　　而利率85这优惠后，总还款为66万；还款利息为26万；月均还款为2767元。

85 this offer and interest rates，Total reimbursement for 660000；Repayment interest for 260000；The average monthly reimbursement for 2767 yuan。

　　相比之下，首套房利率85折与基准利率相比，每月少还227元，总还款更是一下子少了6万块。

compared，The first suite 85 fold benchmark interest rate and interest rate compared，Less a month still 227 yuan，Total reimbursement is suddenly less 60000 pieces。

其它家银行有望“跟风” Other Banks are expected to“Follow suit”

　　虽然，目前仅有徽商银行实施了首套房85折的利率优惠，但是不排除日后会有“一家银行牵头，其它家相继跟风”的现象出现。

although，The only hui merchants bank implemented the first suite 85 fold favorable interest rate，But don't rule out future will be“A bank lead，Other home have to follow suit”Phenomenon appears。

　　目前，兴业银行首套房利率优惠的文件已经下发，虽然执行与否还有待考量，但是不排除近期利率优惠的可能性，“可能会根据相应的条件，推出一定程度的优惠，但是还是要看收益。”兴业银行个贷部曹主任表示，他们最快将于7月25日做出决定。

At present，Industrial bank first suite favorable interest rate files have been distributed，Although the execution or not remains to be considered，But don't rule out the possibility of recent favorable interest rate，“May according to the relative conditions，Launched a certain degree of preferential，But still should see gains。”Industrial bank GeDai department, said cao，They will be the fastest in July 25 to decide。

　　“近期没有接到任何关于首套房利率优惠的通知，还是要等待总行下发文件才能实施。”招商银行个贷部负责人也表示，不排除未来首套房利率优惠的可能性。

“Recent haven't received any preferential interest rate on first suite of notice，Or for the head office issued a document to implement。”China merchants bank GeDai department chief also said，Don't rule out future first suite the possibility of favorable interest rate。

　　“文件下来是一回事，具体执行可能还是要看各家银行具体的规模和收益情况。”安徽省房协副秘书长、建工学院房地产研究所所长李国昌表示，不排除未来会有更多的股份制银行跟风效仿的情况出现。”

“File down is one thing，Specific execution may still want to see Banks specific scale and earnings。”Anhui province room association deputy secretary-general、Construction of institute of real estate LiGuoChang institute said，Don't rule out future there will be more the joint-stock Banks follow suit to follow the situation appears。”

　　本站发现，徽商银行自从接到“首套房利率85这优惠”通知之后，个贷部门前每天都排着长龙，85折优惠利率足以让更多的购房者选择徽商银行贷款。日后可能会有更多的银行根据自家的收益情况推出不同幅度的优惠，其中，很可能是股份制银行“先行先试”。（三六五地产家居网 张月）

This site found，Hui merchants bank since received“The first suite 85 this preferential interest rate”After notice，GeDai department every day before in the long dragon，85 discount of interest rates enough to make more buyers choose hui merchants bank loans。Future may have more bank according to their earnings release different amplitude discount，Among them，Probably the joint-stock Banks“First try first”。（The 365 real estate home JuWang a monthly）