This leads to a delay of only one day, and the interest rate of 5% people is much higher than that of 4%.
Then, after the loan interest rate is lowered, will the monthly supply decrease?
The loan interest is calculated according to the floating interest rate, so the interest is adjusted with the adjustment of interest rate. After the adjustment of general bank interest rate, interest is calculated in three forms.
First, the mortgage interest rates of ICBC and ABC were newly adjusted at the beginning of the following year.
2. The mortgage interest rate of China Bank is adjusted throughout the year, that is, the new interest rate is adjusted and implemented every repayment year.
The third is that the lender and the bank agree to implement the new interest rate in the month after the interest rate adjustment.
Therefore, after the loan interest rate is lowered, the monthly supply will be reduced.
It is worth noting that the fluctuation of the loan interest rate will not affect the interest already paid, but only the adjusted interest.
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Extended data:
How much money can you save by reducing the interest rate by 654.38+0 million loans?
Most people buy houses through pure commercial loans, so the loan interest rate will be priced according to the LPR interest rate+basis point in the same period, in which the basis point is determined and maintained by the bank, and the LPR interest rate is quoted once a month, 2 1. Once the LPR is lowered, the mortgage interest rate will also be lowered. Even if you have bought a house, you will have the opportunity to save interest.
Accurately speaking, as long as the repricing date of the lender's mortgage is after the interest rate is lowered, and the LPR is lower than the downward adjustment in the same period of last month, the interest will be appropriately reduced, and the repayment pressure of the borrower will be greatly reduced.
How much can you save? Taking the mortgage amount of 654.38+00,000 yuan and the term of 30 years as an example, the equal repayment of principal and interest is selected for introduction.
Suppose that the interest rate of the first home loan was 5.25% and the monthly payment was 5,522.04 yuan, and the total interest reached 987,933.33 yuan after 30 years.
After the downward adjustment, the interest rate of the first home loan is 4.65%, so the monthly payment is 5 156.37 yuan. After 30 years, the total interest will reach 8592438+0 yuan.
By comparison, it is not difficult to find that the monthly payment of the lender before the interest rate cut is 365.67 yuan less than that after the interest rate cut, and the total interest expense is reduced by 13 1640.82 yuan, which is enough to buy a car with good cost performance.