When buying a house, the interest rate is high. If the interest rate drops in the future, the interest rate of loan customers will generally be treated as follows:
1. provident fund loan: in the face of the downward adjustment of LPR interest rate, its interest rate will not decrease accordingly. Because provident fund loans are based on the benchmark interest rate of central bank loans and are not linked to LPR. Only when the People's Bank of China adjusts the benchmark loan interest rate during the repayment period will the new interest rate be implemented from 65438+ 10/month 1 in the following year.
2.20 1 commercial loans processed after June 8, 9, and commercial loans processed before this date, but when the interest rate is converted from March1to August 3, 2020, choose the LPR floating interest rate: there will be a repricing cycle, and when the equal pricing date comes (there are two options: 65438+/kl.
3. Commercial loans with fixed interest rate shall be handled before 20 19 1 0.8, and the interest rate will be changed from March1in 2020 to August 3 1. No matter how LPR is adjusted and changed, its interest rate will be implemented in accordance with the contract and will always remain fixed.
The interest rate on buying a house has dropped. What about the previous one?
If the interest rate agreed in the previous real estate loan contract is fixed, the loan interest will not be affected after the loan interest rate drops, and the loan principal and interest will still be repaid at the fixed interest rate.
If the interest rate agreed in the previous real estate loan contract is floating interest rate, then after the loan interest rate is lowered, the interest to be repaid will also decrease with the decrease of floating interest rate. Until the next interest rate change, the lender only needs to repay the principal and reduced interest.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank.
The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate.
The interest rate is high when buying a house. What should I do now that the interest rate has dropped?
Generally speaking, when you transfer money on New Year's Day, your mortgage interest rate will also drop simultaneously, but the LPR will be lowered and the floating basis point will remain unchanged.
For example, if you buy a house, the LPR is 4.9% and the mortgage interest rate is 5.88%, which means that your mortgage interest rate has increased by 98 basis points. Then the current LPR is 4.3%. After New Year's Day, your mortgage interest rate will become 4.3%+98 basis points, which is 5.28%.
If you want to become the latest interest rate of 4. 1%, you can only transfer the ownership once and re-approve the loan.
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The interest rate on buying a house is high, but now it is low. Can you change it?
If the mortgage interest rate is lowered, whether the purchased mortgage interest rate will change needs to be determined according to the actual situation. Generally speaking, what kind of loan interest rate do buyers choose? If it is a floating interest rate, the mortgage interest rate will change if it is lowered. If you choose a fixed interest rate, the mortgage interest rate will be lowered, and the mortgage interest rate of the purchased house will remain unchanged.
Whether the mortgage interest rate has been lowered needs to be determined according to the loan interest rate method.
1. If you choose to float the mortgage interest rate, then the mortgage interest rate will be lowered, and those who have already borrowed will also participate in the downward adjustment. The floating interest rate will change on the interest rate adjustment day, and the mortgage interest rate will be lowered, and the subsequent mortgage interest rate of users will also be lowered.
2. If the mortgage interest rate is fixed, people who have borrowed the mortgage interest rate will not participate in the downward adjustment. Because the loan interest rate is fixed during the fixed loan term, the national standard interest rate is used.
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