【摘要】 2004年10月29日,中国人民银行决定存贷款利率实行上浮,中长期利率上调幅度大于短期。在住房抵押贷款中,大部是中长期贷款。由于利率上浮,在下一年度的1月1日抵押贷款借款人会由于利率改变而增加了其利息成本,从而会导致一部分借款人产生提前归还贷款的要求。在发生期前清偿时,商业银行需要核算给其带来的影响。更多还原

【Abstract】 The people’s Bank of China decided to rise interest rate of loans and eposits on oct 29,2004, mid-long terms range is higher than the short terms. Among the home mortgage most of them are mid-long terms loans, due to rising of interst rate, Debtor of Secured loan would increase the cost of for the change of interest on the Jan 1 the next year which would induce the debtor to return the loan in advance. Before clearing the loan, commercial bank need to check and calculate the affection of it.更多还原