The original benchmark interest rate was 4.9%, up 20%, which means your loan execution interest rate is 5.88%. From March 1 day in 2020 to August 3 1 day in 2020, the interest rate was changed from the original benchmark interest rate plus floating ratio to LPR plus point calculation, that is, the interest rate was changed to anchor. After the interest rate is changed, it shall be calculated according to the LPR interest rate of 2065438+February 2009 plus 4.8%, which shall not be lower than the original execution interest rate in principle.

Then your execution interest rate for the whole year of 2020 should still be 5.88%, 5.88-4.8= 1.08, that is, LPR will be executed at that time 108 basis points. Starting from 2002 1 year, the new implementation interest rate will be re-approved every year1day, and it will be implemented according to LPR plus 108 basis points at the end of last year.