Does LPR involve provident fund loans?
LPR interest rate does not involve provident fund loans, and it is only converted into commercial loans at present, and the provident fund loans are still implemented according to the original contract. So what is the anchoring of the interest rate of provident fund loans? The interest rate of the provident fund is mainly related to four aspects, that is, whether the deposit interest rate changes, whether the loan quality deteriorates, whether the management cost of the provident fund center increases, and whether the supplementary funds for the construction of low-rent housing in cities increase. Among them, the anchor that affects the deposit interest rate is the benchmark deposit interest rate of the central bank.
The interest rate of provident fund loans involves LPR and the consideration of regulating housing prices. As the competent department of the provident fund management center, the Ministry of Housing and Urban-Rural Development is the easiest to adjust the interest rate of provident fund loans in the process of regulating housing prices.
The above is Bian Xiao's sharing, and I hope it will help everyone.