Japan’s commercial banks began to interest mortgage interest rates or to the lowest U.S. stock market center: exclusive national industry sector stocks, premarket after hours, ETF, real-time quotes Sina warrants stocks news Beijing time 2 days of the Chinese network reported by the Bank of Japan (BoJ) decided in January 29th into effect of negative interest rate policy, the Japanese private bank has begun to cut deposit rates. This is because even if the deposit is deposited into the Bank of Japan, some of them will also be applied to negative interest rates. In addition, the lowest level of housing loan interest rates will also be lowered. The impact of Japan’s rare negative interest rate policy will continue to spread to the family and enterprises. In the February 1st bond market, interest rates for a wide range of years declined. As a long-term interest rate index, Japan’s new issuance of 10 year rate was compared with the previous trading day down 0.045% (higher prices), fell to 0.05%, the 2 consecutive trading days hit a record low. Affected by this, Sonal, Resona, new born, SONY, Yokohama and eighty-two banks have lowered deposit interest rates to the lowest level since February 1st. Banks are using funds raised through deposits, but they use difficulties in the context of ultra-low interest rates. As long as it is deposited in the Bank of Japan, interest can be obtained, but since February 16th, the newly deposited funds will be applied to negative interest rates and will suffer losses. As a result, Japanese private banks cut deposit rates equivalent to financing costs. The Bank of Yokohama and the eighty-two bank cut the interest rate of down to 1 year deposits to 0.02% of the same as that of regular deposits. In addition, SONY bank lowered the average deposit interest rate from 0.02% to 0.001%. This is comparable to the historically lowest level of Japanese banks’ quantitative monetary easing in 2002~2006. Even if 100 million yen is stored for 1 years, only about 800 yen (after tax) interest will be obtained. Resona bank 2~5 year deposit rate cut 0.005~0.025%. At the same time, 3 super banks are also talking about reducing interest rates such as time deposits. In addition, the investment institutions have begun to adjust the investment commodities. MITSUBISHI UFJ international investment trust, investment trust, investment trust investment advisory Mizuho Xinguang and Mitsui asset management Sumitomo 4 companies announced that 1 will stop selling MMF (currency fund management) and other investment in short-term treasury bonds and corporate bonds investment trust. Due to the expansion of the negative interest rate range of short-term interest rates, it is increasingly difficult to ensure adequate return on investment. In addition, Japan’s household income and expenditure may benefit from low interest rates. At present, the housing loan interest rate of 3 super banks (10 year fixed type, the most preferential) is 1.05% per year. Further downgrades will be discussed in light of market trends. The 10 year fixed type belongs to the long-term interest rate, while the floating type basically moves with the short-term interest rate. There is also a long-term fixed rate residential loan called flat35 in Japan, and the interest rate is expected to decline further. According to the housing financial support agency statistics show that in the 35 years following the repayment period (financing rate 9 below the lowest interest rates) acceptance of financial institutions was 1.48%, the lowest level in 9 months. It’s possible to brush 3 in March

日本商业银行也开始调息 房贷利率或至最低 美股行情中心:独家提供全美股行业板块、盘前盘后、ETF、权证实时行情   新浪美股讯 北京时间2日 日经中文网报道,受日本银行(央行)1月29日决定引入负利率政策的影响,日本民间银行已经开始下调存款利率。这是因为即使汇集存款存入日本银行,其中一部分也将被适用负利率。此外,已处于历史最低水平的住宅贷款利率也将下调。日本罕见的负利率政策的影响将不断波及到家庭和企业。   在2月1日的债券市场,广泛年限的国债利率出现下降。作为长期利率指标,日本新发行10年期国债利率一度较上一交易日下降0.045%(价格升高),降至0.05%,连续2个交易日创出了历史最低。   受此影响,理索纳(Resona)、新生、索尼、横滨和八十二等各银行自2月1日起将存款利率降至历史最低水平。银行是运用通过存款筹集的资金,但在超低利率局面下,运用困难。此前只要存入日本银行即可获得利息,但自2月16日起新存入的资金将适用负利率,将遭受损失。因此,日本的民间银行下调相当于融资成本的存款利率。   横滨银行和八十二银行将1年以下定期存款利率下调至与普通存款相同的一年0.02%。此外,索尼银行将普通存款利率从0.02%下调至0.001%。这与日本银行实施量化货币宽松的2002~2006年创出的历史最低水平不相上下。即使1亿日元存1年,也只能获得约800日元(税后)利息。理索纳银行将2~5年期定期存款利率下调了0.005~0.025%。同时,3家超大型银行也在讨论降低定期存款等的利率。   此外,投资机构已开始相继调整投资商品。三菱UFJ国际投信、瑞穗投信投资咨询、新光投信和三井住友资产管理4家公司1日宣布,将停止销售MMF(货币管理基金)等投资于短期国债和公司债的投资信托。由于短期利率的负利率幅度出现扩大,越来越难以确保足够的投资收益率。   此外,日本的家庭收支或许将获得低利率的好处。目前3家超大型银行的住宅贷款利率(10年期固定型,最优惠)为每年1.05%。将根据市场动向讨论进一步下调。10年期固定型属于长期利率,而浮动型基本上与短期利率联动。   在日本还有一种长期固定利率住宅贷款叫flat35,利率也有望进一步下降。据住宅金融支援机构统计显示,偿还期限在35年以下(融资率9成以下)的受理金融机构的最低利率为1.48%,处于9个月以来的最低水平。3月有可能刷新历史最低(1.37%)。   企业贷款利率也有望下降。从作为指标的东京银行间同业拆借利率(TIBOR)来看,海外日元3个月期2月1日降至2006年以来最低水平。(日本商业银行也开始调息 房贷利率或至最低) 责任编辑:王永生 SF153相关的主题文章: