据专家观察,现在中国买房人有三个群体,一是“把买房当作投资”的民营企业老板,二是“把买房作为洗钱手段”的贪官,三是既没有房子住又没有多少钱的老百姓。房贷利率的调高增加的是第三种人的负担,打算提前还贷的也是这些普通百姓。银行收取提前还贷违约金,对这部分人“无异于雪上加霜”。 According to expert observation, there are now three groups of Chinese people who buy a house. One is the private-owned business owner who “buys his house as an investment.” The second is the corrupt officials who “buy a house as a means of money laundering.” The third is that ordinary people who have neither a house nor a lot of money . The increase in mortgage interest rates is the third kind of people's burden, and plans to repay these people in advance. Bank charged early liquidated damages, for this part of the people “is tantamount to worse.”