For mortgage owners, mortgage repayment interest was originally determined according to the benchmark interest rate. Now they have a choice. They can choose whether to continue to use the benchmark interest rate or use LPR as a market-oriented interest rate indicator.
Choice of two adjustment dates: 65438+ 10 month 1 and loan date: because the interest rate is in a downward trend, we should enjoy the benefits of LPR decline as much as possible. If the loan date has passed, it should be1+0 every year; If the lending time has not yet arrived, please select the lending time.
Does lpr choose 65438+ 10 month 1 or release date?
Whether LPR chooses 65438+ 10 month 1 or loan date needs to be selected according to the loan date. If the user's loan release date corresponds to the month after LPR conversion, the user can select the loan release date as the adjustment date. However, before LPR conversion, users are advised to select 65438+ 10/month 1. For example, if the user handles LPR conversion in April and the loan issuance date is1-April, you can select the loan issuance date as the adjustment date.
No matter whether users choose 65438+ 10 month 1 or loan release date, they hope to enjoy the benefits brought by LPR pricing as soon as possible.
Is it better to choose LPR or annual 1 or lending time for stock loans?
When choosing LPR for stock loan, if you want to enjoy the mortgage cost savings brought by the downward interest rate as soon as possible, you can choose the loan date and adjust it according to the corresponding date. If you choose the pricing date, it depends on the month of mortgage lending. If it is June 2 1, it depends on the specific LPR market on June 20 every year. If the quotation of the month is low, you can enjoy the discount immediately.
For individual lenders, if the current loan interest rate is not high, such as only 3% and 4%, then it is best to choose a fixed interest rate, because it may not drop to that low in the future. But if the interest rate is close to 5%, it needs to be converted into LPR interest rate.
Extended data:
There are 65,438+08 quotation banks to determine the LPR interest rate. All 18 LPR quotation banks have strong influence, credibility and pricing power in the same type of banks, and need to quote the best customers according to the bank's loan interest rate.
In other words, the quotation of the quotation bank is supported by real transactions. At the same time, the People's Bank of China and the self-discipline mechanism of interest rate pricing strictly supervise the quotation behavior of all quotation banks, regularly assess the quality of their quotations, and conduct survival of the fittest according to the assessment.
The mortgage interest rate is adjusted at 65438+1 month1every year. When will it be implemented?
The mortgage interest rate will be adjusted from 65438+1 month1every year. In general, the adjustment time stipulated in the contract is 65438+ 10/month 1 year. The agreed adjustment time is the loan date of the mortgage, and the mortgage interest rate will not be adjusted until the loan date. Choosing 1 adjust or 1 adjust the mortgage loan date is the same. Generally, the adjustment is based on the LPR of 65438+ last February.