近日，大河财立方记者对郑州地区多家银行进行了走访，调查了存量房贷利率下调后，购房者提前还款情况。根据调查结果，自存量房贷利率下调后，集中提前还贷的情况得到了缓解。
大河财立方记者在走访中了解到，多位存量房贷购房者表示，存量房贷利率下调后，每月还款压力小了不少，暂时不打算提前还贷。其中，一位购房者表示：“下调利率后，我的房贷压力减轻了很多，现在我的目标是先还清所有的贷款，再考虑是否提前还贷。”
此外，大河财立方记者还注意到，在调查过程中，多数受访者表示，虽然提前还款压力有所缓解，但仍然存在一定的风险。因此，在做出决策前，他们会咨询专业人士的意见，并综合考虑个人实际情况。
英文标题：
Dahe News 调查：Reduction of existing mortgage rate leads to relief for homeowners’ early repayment
关键词：existing mortgage rate, early repayment, homeowners
新闻内容：
Recently, theDahe News conducted a survey of several banks in Zhengzhou city to investigate the situation of homeowners’ early repayment after the reduction of the existing mortgage rate. The survey found that since the reduction of the mortgage rate, the situation of homeowners’ early repayment has been alleviated.
TheDahe News found that many homeowners who have existing mortgage loans said that the reduction of the mortgage rate has significantly reduced their monthly mortgage payments, and they are not planning to repay the loan early at the moment. One of the homeowners said, “After the reduction of the mortgage rate, my mortgage debt has significantly decreased, and my current goal is to repay all the loans first before considering whether to repay the loan early.”
Furthermore, theDahe News noticed that many respondents in the survey still consider there are certain risks involved in early repayment. Therefore, before making a decision, they seek the advice of professionals and carefully consider their personal situations.
【来源】https://www.zhihu.com/question/625143527
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