1. If it is a commercial housing loan, and it has been approved, and the LPR interest rate has decreased before or after the loan contract is signed, it is natural to calculate the new interest rate according to the reduced new LPR quotation, calculate the specified basis point, and then implement the new interest rate according to the contract.
2. If it is a housing provident fund loan, its interest rate will not be affected regardless of whether the LPR interest rate falls or not, and it will be implemented according to the benchmark interest rate stipulated by the central bank (if the People's Bank of China subsequently adjusts the benchmark interest rate of the loan during the repayment period, the new interest rate will be implemented from June 65438+ 10/of the following year).
3. If the LPR interest rate falls after the commercial housing loan contract is signed, the original interest rate of the contract will be implemented temporarily. On the repricing date (generally there are two options, the loan date or 1+0), a new interest rate can be obtained according to the latest LPR quotation and the specified basis point, and the new interest rate will be implemented in the next cycle.
How to calculate the house you bought before the mortgage interest rate was lowered?
Houses previously bought after the mortgage interest rate is lowered will generally be calculated as follows:
1. If the mortgage type is provident fund loan, the interest rate will not decrease with the downward adjustment of LPR, but the original interest rate will still be implemented. Because provident fund loans are subject to the benchmark interest rate of central bank loans and are not linked to LPR, only the benchmark interest rate of central bank loans will be adjusted during the repayment period, and the new interest rate will be implemented from 1 the following year.
2. If the mortgage is a commercial loan after June 8,10, the floating interest rate of LPR shall be implemented; Or before that, the floating interest rate of LPR was also selected during the interest rate conversion from March 1 to August 3 1. Faced with the downward adjustment of LPR, as long as the equal pricing date (June 65438+1 October1or loan issuance date) comes, the new interest rate will be calculated according to the latest LPR quotation and implemented in the next cycle.
3. If the mortgage is a commercial loan before June 8, 10, and the fixed interest rate is selected during the interest rate conversion from March 1 day to August 3 1 day, the interest rate will not decrease with the downward adjustment of LPR, but will still be implemented according to the interest rate agreed in the contract and remain unchanged.