Log in to the mobile banking client of CCB before 65438+February 3 1 (inclusive), click to enter the "Loan" page, and then click the "Mortgage Interest Rate Reversal" menu to cancel; Or go directly to the branch counter of the agency to find the staff to apply for canceling the batch conversion; You can also transfer it back by yourself on the intelligent teller machine in the offline business hall of CCB.
It should be noted that the cancellation application can only be processed once. Once cancelled, the interest rate can no longer be converted into LPR floating interest rate or fixed interest rate.
Of course, if the mortgage interest rate is converted by the customer before August 24 (inclusive), it is impossible to apply for returning to the benchmark interest rate of the central bank loan executed in the original contract. Moreover, because the conversion can only be carried out once, after actively converting to LPR floating interest rate, you can no longer apply for conversion to fixed interest rate.
Will lpr reduce the mortgage already bought?
After the LPR is reduced, whether the previous mortgage will be reduced depends mainly on when the customer applied for the mortgage, what kind of mortgage to apply for and what kind of interest rate pricing method to implement.
If the commercial personal housing loan is processed after 1, the LPR of the corresponding period will be used as the pricing basis. Because it is a floating interest rate, when the LPR is lowered, the mortgage interest rate that the customer has already handled will also decrease, and the amount to be repaid will also decrease.
If the commercial personal housing loan handled before June 65438+1 October1is converted into LPR when the pricing benchmark is converted, as mentioned above, the LPR will reduce the mortgage amount; However, if you choose to switch to a fixed interest rate, the interest rate will remain unchanged, and even if the LPR changes, it will not affect the customer's mortgage.
And if the customer is handling personal housing provident fund loans, then because the benchmark interest rate of central bank loans is implemented, it is not linked to LPR, so the downward adjustment of LPR will not reduce the mortgage loans handled by the customer.