1, the user's mortgage interest rate is LPR fixed interest rate: users who choose LPR fixed interest rate will not change their mortgage loan during the mortgage loan period, no matter how the LPR is adjusted. In this way, even if LPR decreases, the mortgage interest rate of users will not decrease. Although the fixed interest rate of LPR will not reduce the monthly supply, when LPR is raised, the monthly supply will not increase.
2. No mortgage interest rate adjustment date: users who choose LPR floating interest rate must arrive at the mortgage interest rate adjustment date before the mortgage interest rate adjustment date, and the mortgage interest rate will be adjusted with LPR. Therefore, after the LPR drops, it can only be judged that the mortgage interest rate of users may be lowered in the future, and the monthly supply will be reduced after the downward adjustment is successful. At the same time, LPR must be lowered in the last month of the mortgage interest rate adjustment date, and the mortgage interest rate will be lowered accordingly.
Loan market quotation rate (LPR) is the basic reference interest rate of loan sources calculated and published by the National Interbank Funding Center authorized by the People's Bank of China on the basis of the bank's loan interest rate for the best quality customers and the open market operating rate (mainly referring to the medium-term lending convenience rate). All financial institutions should mainly refer to LPR for loan pricing.