疯了！丹麦银行推出世界首例负利率贷款

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？

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%。

A Danish bank has launched the world’s first negative interest rate mortgage – handing out loans to homeowners where the charge is minus 0.5% a year.

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。

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

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。

Jyske Bank, Denmark’s third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%.

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。

Under its negative mortgage, Jyske said borrowers will make a monthly repayment as usual – but the amount still outstanding will be reduced each month by more than the borrower has paid.