The conversion of LPR pricing benchmark for personal loans means that the loans handled by borrowers are handled at the benchmark interest rate. At this time, it is necessary to convert the benchmark interest rate in the loan contract into LPR, LPR+ floating point (which can be negative). After the subsequent decline of LPR, the user loan interest rate will drop, and then the loan fee interest will drop, and of course LPR may also rise.

There are two channels to convert the mortgage interest rate to LPR:

1, mobile banking

The main lender logs into the mobile banking of the loan bank, enters the loan interface, selects the mortgage that has been handled, and will see an "interest rate benchmark conversion" to apply from "LPR interest rate" or "fixed interest rate". The bank will send relevant short messages to the sub-lender's mobile phone, and the sub-lender will log in to the mobile banking of the loan bank to confirm the conversion scheme initiated by the main lender.

2. Handling of export

The principal lender can choose the nearest loan bank outlet to handle it within the specified time, without going to the original loan handling bank.

It should be noted that * * * with loans, both the primary lender and the secondary lender need to be present at the same time, and provide relevant information, such as marriage certificate, valid ID card, household registration book, etc. , and both lenders must confirm the selected adjustment scheme at the same time. If one party vetoes, the adjustment mode cannot be successfully converted.