1. It is an inevitable choice for the state to promote the conversion of mortgage interest rates, and it is also to control financial risks. In the future, interest rates will be lower. If the gap between the interest rate of more than 30 trillion stock mortgage loans and LPR is too large, it will cause turmoil in the real estate industry and affect the stability of the financial system.
2. Interest rate reform is the decision of the central bank, and in the final analysis, it is a state behavior, and "benefiting the people" is the general direction of bank reform.
3. Turning to fixed or LPR is only related to the judgment of future interest rate trends. If you think the interest rate will rise in the future, then choose fixed, if you think it will fall, then choose floating.
4. The general trend of interest rate in the future is downward, and the interest rate level is related to the economic level. In the long run, the more the economy develops, the lower the interest rate will be. In reality, we can easily find that the poorer the interest rate, the higher the developed interest rate and the lower the interest rate, which is the law of all countries and regions in the world.
LPR affects the pricing of personal mortgage;
1, August, 2020 12, five state-owned banks, namely ICBC, China Construction Bank, Agricultural Bank of China, Bank of China and Postal Savings Bank, announced at the same time that from August 25th, the pricing method of individual housing mortgage socks (loan market quotation) would be uniformly adjusted.
2. Batch conversion refers to the unified conversion of the interest rate pricing method agreed in the original contract into the LPR plus point formation method. The bonus value is equal to the difference between the latest interest rate level of the original contract and the corresponding term LPR published in February 20 19. During the remaining term of the contract, the bonus value can be negative and fixed.
3. The mortgage interest rate remains unchanged on the first interest rate adjustment date (repricing date) after the conversion time. On each interest rate adjustment date, the loan interest rate level will be recalculated and determined according to the latest published sum of the corresponding term LPR and the added value.
Refer to the above? Baidu encyclopedia -LPR