①lpr pricing. Compared with the previous fixed interest rate of personal mortgage, Lpr is usually called floating interest rate, and Lpr is also called loan market quotation rate. How did it come from? It was made by 65,438+08 banks in China, including China Industrial and Commercial Bank, Postal Bank and China Construction Bank. They submit quotations in 20 national interbank lending centers every month, and the National Gold and Silver Interbank Funding Center deletes the highest and lowest quotations and executes the remaining 65,438+06 quotations. The average value is lpr. Lpr is divided into one-year period and five-year period or more. From this point of view, we can know that lpr pricing, that is, our future repayment interest rate, is directly linked to the market economy and financial environment and is dynamic. In other words, lp2 may rise or fall in the future, and there is a certain risk, which is shared with the risks constrained by the state.
② Changes after selection. Of course, from the quotation of 12 from August 20th last year to July 20th this year, the interest rate over five years has dropped from 4.85% to 4.65%, which indicates that its interest rate is in a downward trend, which is good news for our personal loan users, but it has been affected by the epidemic for 5-8 years, including the international economic situation and interest rates in developed countries. It should also show the downward trend of interest rates, which is good news compared with the fixed interest rates we paid before. We can pay back a little less money every month. Of course, judging from the long-term repayment period of 20 to 30 years, there are still many uncertainties that we can't estimate. Compared with our fixed repayment rate, this is also a certain change and has certain risks.
As far as I am concerned, if we get a loan discount, such as 30%, 20% or 10%, I don't think it is necessary to use lpr pricing instead. And if your interest rate is very high, I suggest that you can convert it into lpr pricing, which is usually beneficial and harmless. Personally, I prefer to choose lpr pricing, even if it has a certain increase, according to this increase, we will not pay a heavy price, and we will probably pay tens of yuan more every month, which will not have much impact on our quality of life.