贷款负利率：借钱反倒赚钱？丹麦银行首推-0.5%房贷

<股市行情鑫东财配资>贷款负利率：借钱反倒赚钱？丹麦银行首推-0.5%房贷

在瑞士的银行存钱不但没有利息拿，存得多的还要支付高额年费，这意味着存款将越存越少；在丹麦的银行贷款买房子，居然无需付利息，银行还要倒贴钱贷款负利率，这世界是怎么了？

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A bank has the world’s first rate – out loans to where the is minus 0.5% a year.

一家丹麦银行推出了世界首例负利率按揭贷款——房贷年利率为-0.5%。

rates mean that a bank pays a to take money off their hands, so they pay back less than they have been .

负利率的意思是，银行付钱让借贷者使用资金，贷款人还的钱比借的钱还少。

Jyske Bank, ’s third , has begun a 10-year deal at -0.5%, while bank, , says it will begin 20-year fixed-rate deals at 0% and a 30-year at 0.5%.

丹麦第三大银行日德兰银行已经开始向借贷者提供年利率为-0.5%的十年期贷款，而另一家丹麦银行诺底亚银行将开始提供固定年利率为0%的20年期贷款和年利率为0.5%的30年期贷款。

Under its , Jyske said will make a as usual – but the still will be each month by more than the has paid.

日德兰银行称，申请负利率贷款的借贷者将如常支付月供，但余下贷款每月扣除额将多于每月还款额。

: adj. 未偿付的

"We don’t give you money in your hand, but every month your debt is by more than the you pay,” said Jyske’s , Hegh.

日德兰银行的房产经济学家米克欧·赫格说：“我们不会直接把钱给你，但每个月你的债务减少额会高于你的还款金额。”

The is , as well as and , has seen rates in money drop to that turn -down.

这种贷款之所以可行，是因为在丹麦、瑞典、瑞士这些国家贷款负利率：借钱反倒赚钱？丹麦银行首推-0.5%房贷，货币市场的利率降幅已经让银行业务出现“倒挂”。

Hegh said Jyske Bank is able to go into money and from at a rate, and is this on to its .

赫格说，日德兰银行能够以负利率从货币市场和机构投资人那里借到钱，现在只不过是将这种借款方式用于银行客户。

But the is that will see paid in on their – and may also as they go .

不过有利就有弊，储户将发现自己的存款毫无收益，如果变成负利率的话存款甚至会减少。

: n. 另一面；反面

In , the bank UBS last week told its that it would a of 0.6% a year if they more than 500,000.

在瑞士，瑞士联合银行上周告诉有钱的客户说，如果他们的存款超过50万欧元（约合人民币392万元），将收取0.6%的年费。

In , rates on in Jyske have to zero. Now banks in are of and to rates on .

在丹麦，日德兰银行的存款利率已经降到了0。现在丹麦的银行正考虑跟随瑞士的脚步，对存款实行负利率。

"Right now, for we don’t have a rate. But are at the very level. It’s just that no bank here wants to be the first mover into rates,” said Hegh.

赫格说：“目前我们没有对存款实行负利率。不过最高层正在对此进行讨论。问题在于没有哪家银行愿意成为第一个吃螃蟹的人，率先实行存款负利率。”

While the Bank of ’s base rate is 0.75%, and the Bank’s main rate is zero, in (which is not in the ) the rate is -0.4%.

目前英格兰银行的基本利率为0.75%，欧洲中央银行的主要利率为0，而不在欧元区内的丹麦相应的利率为-0.4%。

In , the Jyske in is to end up back a more than they , as there are still fees and to pay to the bank for the deal, even when the rate is .

事实上，即使名义利率为负数，丹麦日德兰银行的借贷者最后偿还的金额还是会比贷款金额高一点，因为要向银行支付交易服务费作为补偿。