1. The mortgage interest rates of banks fluctuate on the benchmark interest rate of the central bank according to different situations. If the mortgage interest rate is 6.37%, it may be because you bought a second home, or because the credit information is not good, so the interest rate will rise extra.

2. Then, why is the first home loan 6.37%, and the mortgage interest rate of 6.37% belongs to the first home loan interest rate, which is obviously high, equivalent to a 30% increase on the basis of the benchmark interest rate.

3. If the interest rate of 6.37% is significantly higher than that of commercial banks in other places, it is definitely inappropriate to take over at this time. After all, there may be hundreds of thousands of mortgages.

Second, the first home loan is 6.37. Should it be converted to Lpr?

The first home loan is 6.37. Should I switch to Lpr? The mortgage interest rate of 6.37% is already high. Since the loan interest rate is so high, why not change this policy and use the LPR floating interest rate as the interest rate, which may save you some loan interest? So the suggestion should be changed.

According to the policy, to put it bluntly, stock loans should be converted into LPR interest rates, and the benchmark interest rate policy for loans before the end of the year is that if it is not changed, it must be changed, which has no choice. Since the policy must be changed, it is better to take the initiative to change it with the bank. The specific conversion rate shall be determined by the borrower and the bank through consultation.