The mortgage interest rate will be transferred to LPR, and you must go to the bank. All the existing mortgage interest rate pricing methods are converted into floating interest rates formed by LPR plus points, or buyers who are converted into fixed interest rates can go to the bank from March 1, and it should be noted that the deadline is August 3 1.
However, the conversion channels of each bank may be different, and some banks can handle it directly online without going to the bank. At present, the conversion channels announced by ICBC include:
(1) Mobile banking. Our mobile banking supports "one-key conversion", which is convenient and fast. I suggest you choose first. If you are not a mobile banking customer of our bank, you can download the ICBC application and apply for price benchmark conversion after online self-registration.
Mobile banking processing path: download ICBC application-login/registration-favorites-full deposit and full loan-interest rate benchmark conversion-one-click conversion.
(2) Intelligent ATM (expected to go online in mid-March, depending on the actual online time). Please bring your ID card to our bank and handle it through an intelligent teller machine. If you have any questions in this process, please consult the customer service manager of the branch.
ATM processing path: ATM- loan-interest rate benchmark conversion-authentication-one-key conversion.
(3) SMS banking (it is expected to go online in mid-April, depending on the actual online time). If you are the same borrower in the loan contract and the bank has reserved a credible mobile phone number, after the main borrower initiates the pricing benchmark conversion, you will receive a short message from the bank to confirm the pricing benchmark conversion, and you can complete the pricing benchmark conversion confirmation by directly replying to the short message.
(4) loan service banks. If you are really not used to using the self-service channel, you can also choose any loan service bank nearby to make an appointment instead of going to the original loan handling bank. When handling, the main borrower and all * * * borrowers must carry their ID cards at the same time. If the loan is handled with other ID cards, such as a passbook, be sure to take it with you.
Except for the loan service bank, all other channels need to be confirmed by the main borrower first, and then by the * * * borrower. Except that SMS banking is only applicable to * * * same borrowers, all major borrowers from other channels and * * * same borrowers can use it.
Please follow the announcement channel of the bank. Don't trust institutions or individuals outside the bank to avoid being cheated.
Is the mortgage interest rate 4.9 high?
Whether the mortgage interest rate is high or not is usually judged according to the benchmark interest rate announced by the central bank. If the mortgage interest rate is lower than the benchmark interest rate, it means that you can enjoy interest rate concessions when lending; If it is equal to the benchmark interest rate, it will be neither high nor low; If it is higher than the benchmark interest rate, it means that the interest rate has gone up, generally including 10% and 20%.
At present, the benchmark interest rate of loans implemented by the central bank is 65438+4.75% for three years and 4.9% for five years and above. If the mortgage interest rate is 4.9%, use the formula to calculate: 4.9%/4.9%= 1, that is to say, like the basic interest rate, the interest rate is not high.
Is it necessary to transfer the mortgage interest rate from 4.9 to LPR?
The interest rate of 4.9% on mortgage is not high. As for whether or not to turn, it depends on the change of lpr. If lpr keeps going down, it is more cost-effective to switch to lpr, and the interest rate will be lower. Because the new mortgage interest rate is implemented according to lpr+ points.
According to the LPR interest rate of 4.8% in June and 5438+in February, it can be calculated that the added value of the 4.9% interest rate is 0. 1, and the mortgage interest rate is calculated according to the interest rate on the repricing date. If you change to lpr before August 20th, the new mortgage interest rate will be 4.65%-0.1%= 4.55% or even lower according to the lpr interest rate of 4.65% on July 20th.