The mortgage rate of portfolio loan plus commercial loan is 4.3 12. Is it cost-effective to modify the LPR floating interest rate? There are still 12 years to pay off.

This depends on your wishes and judgment. If we think that the interest rate will be cut with high probability in the future, the overall LPR will show a downward trend, and it is more favorable to use LPR as the pricing benchmark. If you think the probability of LPR is rising in the future, it is more beneficial to convert it into a fixed-rate loan.

Reply time: 2020- 10- 14. Please refer to the latest business changes announced by Ping An Bank in official website.

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