疯了！丹麦银行推出世界首例负利率贷款
<p>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，这世界是怎么了？</p><p><span word="A">A</span> <span word="Danish">Danish</span> <span word="bank">bank</span> <span word="has">has</span> <span word="launched">launched</span> <span word="the">the</span> <span word="world">world</span>’<span word="s">s</span> <span word="first">first</span> <span word="negative">negative</span> <span word="interest">interest</span> <span word="rate">rate</span> <span word="mortgage">mortgage</span> – <span word="handing">handing</span> <span word="out">out</span> <span word="loans">loans</span> <span word="to">to</span> <span word="homeowners">homeowners</span> <span word="where">where</span> <span word="the">the</span> <span word="charge">charge</span> <span word="is">is</span> <span word="minus">minus</span> 0.5% <span word="a">a</span> <span word="year">year</span>.</p><p>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%。</p><p><span word="Negative">Negative</span> <span word="interest">interest</span> <span word="rates">rates</span> <span word="effectively">effectively</span> <span word="mean">mean</span> <span word="that">that</span> <span word="a">a</span> <span word="bank">bank</span> <span word="pays">pays</span> <span word="a">a</span> <span word="borrower">borrower</span> <span word="to">to</span> <span word="take">take</span> <span word="money">money</span> <span word="off">off</span> <span word="their">their</span> <span word="hands">hands</span>, <span word="so">so</span> <span word="they">they</span> <span word="pay">pay</span> <span word="back">back</span> <span word="less">less</span> <span word="than">than</span> <span word="they">they</span> <span word="have">have</span> <span word="been">been</span> <span word="loaned">loaned</span>.</p><p>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。</p><p><span word="Jyske">Jyske</span> <span word="Bank">Bank</span>, <span word="Denmark">Denmark</span>’<span word="s">s</span> <span word="third">third</span> <span word="largest">largest</span>, <span word="has">has</span> <span word="begun">begun</span> <span word="offering">offering</span> <span word="borrowers">borrowers</span> <span word="a">a</span> 10-<span word="year">year</span> <span word="deal">deal</span> <span word="at">at</span> -0.5%, <span word="while">while</span> <span word="another">another</span> <span word="Danish">Danish</span> <span word="bank">bank</span>, <span word="Nordea">Nordea</span>, <span word="says">says</span> <span word="it">it</span> <span word="will">will</span> <span word="begin">begin</span> <span word="offering">offering</span> 20-<span word="year">year</span> <span word="fixed">fixed</span>-<span word="rate">rate</span> <span word="deals">deals</span> <span word="at">at</span> 0% <span word="and">and</span> <span word="a">a</span> 30-<span word="year">year</span> <span word="mortgage">mortgage</span> <span word="at">at</span> 0.5%.</p><p>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。</p><p><span word="Under">Under</span> <span word="its">its</span> <span word="negative">negative</span> <span word="mortgage">mortgage</span>, <span word="Jyske">Jyske</span> <span word="said">said</span> <span word="borrowers">borrowers</span> <span word="will">will</span> <span word="make">make</span> <span word="a">a</span> <span word="monthly">monthly</span> <span word="repayment">repayment</span> <span word="as">as</span> <span word="usual">usual</span> – <span word="but">but</span> <span word="the">the</span> <span word="amount">amount</span> <span word="still">still</span> <span word="outstanding">outstanding</span> <span word="will">will</span> <span word="be">be</span> <span word="reduced">reduced</span> <span word="each">each</span> <span word="month">month</span> <span word="by">by</span> <span word="more">more</span> <span word="than">than</span> <span word="the">the</span> <span word="borrower">borrower</span> <span word="has">has</span> <span word="paid">paid</span>.</p><p>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。</p>
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