According to Announcement [20 19] No.30 of the People's Bank of China, there are two ways to choose stock loans. One is to directly choose a fixed interest rate, and the interest rate level after individual housing loan conversion should be equal to the latest execution interest rate level of the original contract; The second is to choose the floating interest rate form of LPR. According to the calculation of "loan market quoted interest rate (LPR) plus floating point", LPR is variable and the floating point remains unchanged. According to Announcement [20 19] No.30 of the People's Bank of China, the interest rate level of personal mortgage is unchanged before and after the conversion. The interest rate selected according to LPR should be expressed as: LPR+ floating point. The original 5.39%, converted from 2065438+65438+4.8% in February in 2009, is LPR4.8%+0.59% = 5.39%. After the conversion, the mortgage interest rate is the same as before the first repricing date. From the first repricing date, the mortgage interest rate will become "the latest LPR+0.59% at that time (that is, if the LPR was 4.65% at that time, the execution interest rate would be 4.65%+0.59% = 5.24%); And so on, every repricing day.

Basis point (also known as BP is the abbreviation of English basis point, which refers to the basis point). In the expression of interest rate, the base point is 0.0 1%. 59 basis points means 0.59%