Issued before 1, 2020 1, or the loan contract has been signed but not yet issued;

2. Pricing with reference to the benchmark loan interest rate (such as "benchmark interest rate rises 10%" or "benchmark interest rate is 30% off");

3. Floating interest rate (for example, June 65438+1 October1adjusted interest rate every year).

Extended data

If the floating interest rate of "LPR+ plus bonus" is selected, the bonus value is calculated first, which is 4.4 1% (Xiao Zhang's current interest rate level)-4.8% (LPR in 2065438+65438 in February 2009) = -0.39%, and the bonus is fixed at-0.39% after confirmation.

Xiao Zhang's mortgage interest rate is agreed to be adjusted every June at 65438+ 10/month. 202 1 1 10/month 1 day, the interest rate level will be adjusted with the change of LPR. If the LPR released on February 20th, 2020 drops to 4.7%, the interest rate level will be adjusted to 4.7%-0.39%=4.3 1%, and the interest expense will be paid accordingly.

People's Daily Online-Since March, mortgage owners must make a choice to affect the mortgage loan opportunity only once a month.