As we all know, if you want to buy a house, you have to bear the interest on the loan. But recently, a friend came to consult whether the loan interest rate should be adjusted every year. In view of this problem, we will elaborate below. It is reported that the current loan interest rate is adjusted once a year. However, according to the rules, the interest rate of LPR is once a month, usually at the beginning of the year or at the time of loan, or within one year.

When will the loan interest rate be lowered?

First of all, this is related to policy. Now that the house is part of the national policy, the government has suppressed the house and relaxed bank loans.

Second, the price of the first house. If it is the first suite, plus the loose national policy and good credit history, there is likely to be a discount.

Third, the credit record is good. If the credit is good, everything can be said. If the credit is poor, it will be good to get a loan, and even increase interest.

Fourth, from the perspective of banks. If you go to different banks for loans at the same time, there will be different discounts. For example, ICBC will not give you discounts, but CCB is different, and there will be some accidents.

How to deal with the loan when the loan interest rate is lowered?

At present, except for the five-year LPR, the benchmark interest rate of central bank loans has not been lowered, and the provident fund loan business will not be affected by the downward adjustment of LPR, which can be implemented according to the bank benchmark interest rate. In addition to the central bank's adjustment of the benchmark loan interest rate, the customer's housing mortgage loan will not change. The customer of commercial loan will calculate a new interest rate according to the interest rate in the contract and the latest LPR, and then implement it in the next cycle. This does not mean that LPR will be reduced immediately, but there will be a repricing cycle, the shortest year, that is, 65438+ 10/0/0/0, or the loan issuance date.

The above is the introduction of the year when the mortgage interest rate is discounted, when the loan interest rate will be lowered, and how to deal with the loan when the loan interest rate is lowered. I hope this article can bring you some help.