According to Announcement No.30 of China People's Bank [20 19], there are three options for stock loans. First, according to the original repayment method, the benchmark interest rate fluctuates and the floating ratio remains unchanged; The second is to directly choose a fixed interest rate, and the interest rate level after individual housing loan conversion should be equal to the latest execution interest rate level of the original contract; The second is to choose the floating interest rate form of LPR. According to the calculation of "loan market quoted interest rate (LPR) plus floating point", LPR is variable and the floating point remains unchanged. According to Announcement [20 19] No.30 of the People's Bank of China, the interest rate level of personal mortgage is unchanged before and after the conversion. The interest rate selected according to LPR should be expressed as: LPR+ floating point. The original 4.8999% is converted into LPR4.8%+0.0999% = 4.8999% according to LPR 4.8% in February of 20 19, and the mortgage interest rate is the same as before the first re-pricing date. From the first repricing date, the mortgage interest rate will become "the latest LPR at that time+0.0999%"; And so on, every repricing day.