Every five basis points adjustment of LPR will affect the monthly supply of1100,000 yuan to 30 yuan.

The reporter calculated an account. If the user borrows 6,543.8+0,000 yuan, and the principal and interest are repaid in equal amount, the original contract term is 30 years, and the remaining 20 years, the interest rate will rise 10%, that is, the interest rate is 4.9% × (1+10%) = 5.39%, and the monthly payment is 5,609.

Its fixed spread is 0.59% (5.39%-65438+4.8% of the LPR quotation in February). As the current interest rate is higher than LPR 65,438+February, its interest rate will be adjusted to LPR+0.59%. Assuming that the LPR quotation dropped to 4.7% in June and February of 5438, and the interest rate obtained by users was 4.7%+0.59%=5.29%, the adjusted monthly payment was 5,546.84 yuan, which was about less than that of 62 yuan now.

In addition, a user borrowed 654.38 million +0 million, the original contract term was 30 years, and the remaining 25 years, the execution interest rate was 10% of the benchmark interest rate, and its mortgage interest rate was 4.9%×0.9=4.4 1%. As the current interest rate is lower than LPR 65438+February, the execution interest rate will be adjusted to LPR-0.39%. After adjustment, the monthly payment is 4,954.59 yuan, which is about 58.93 yuan less than now.

What is the specific impact of LPR changes on monthly supply? Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that no matter whether the current interest rate is 30% off, 10% off, or 1. 1 times higher, banks will continue the previous interest rate at the conversion point through LPR plus or minus points. After that, we should pay attention to the LPR quotation one month before the repricing date. When LPR is adjusted by 5 basis points, the monthly supply of1100,000 yuan will be affected by 30 yuan.

The reporter combed and noticed that since the reform of the new formation mechanism of LPR in August, there have been seven quotations, of which most of the LPR with a term of more than five years corresponding to the mortgage terms have been "lowered" twice, once in 1 1 last year and once in February this year, both of which were reduced by 5 basis points.