/kloc-what is the mortgage of 0/25 basis points?
Mortgage base point is an essential factor to calculate mortgage interest after adjusting mortgage interest rate. At present, the mortgage interest rate is calculated by the model of LPR interest rate+mortgage basis point, in which the mortgage basis point remains unchanged after the mortgage users and banks determine it, and then the mortgage interest rate will change with the change of LPR interest rate, and 100 basis point is 1%.
Mortgage 125 basis points was actually the LPR+ floating interest rate at that time, which was one of the conversion schemes of mortgage interest rate. For customers with floating interest rate loans, it is necessary to change the loan interest rate pricing method agreed in the original contract to LPR as the pricing benchmark for the corresponding period. Or directly converted into a fixed interest rate.
The housing loan interest rate is equivalent to the LPR interest rate plus the basis point, the basis point is a fixed value, and the LPR interest rate is a floating value. After LPR reform, the new housing loan base point is regulated by financial institutions. After the housing loan interest rate before the LPR interest rate reform is converted into LPR interest rate, the basis point becomes a fixed value, which can be negative, and 100 basis point is 1%.
Before the LPR interest rate reform, the housing loan interest rate was usually obtained by combining the benchmark interest rate with the weight. For example, if the benchmark interest rate is 4% and the housing loan is 10% off, then the specific housing loan interest rate is the base point, that is, negative 4% is -40.
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