2065438+On August 25th, 2009, the People's Bank of China issued an announcement, requiring that the new commercial personal housing loan interest rate be based on the loan market quotation in the latest month in the same period from August 8th, 2065438+2009. The added value shall meet the requirements of national and local housing credit policies, reflect the loan risk and be fixed during the contract period.
20 19128 October, the people's bank of China issued an announcement, requiring that by June 28, 2020, all financial institutions shall not sign loan contracts with floating interest rates with reference to the benchmark loan interest rate. From March 1 2020, financial institutions should negotiate with customers of existing floating interest rate loans on the conversion terms of pricing benchmark, and convert the interest rate pricing method agreed in the original contract into LPR as pricing benchmark (the increase point can be negative), and the value-added will be fixed during the remaining period of the contract; It can also be converted into a fixed interest rate.
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Provisions on relevant requirements of quotation interest rate in loan market:
1. Submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage points, and the National Interbank Funding Center will exclude the highest quotation and the lowest quotation, and then round it to the nearest integer multiple of 0.05%, and calculate the LPR with the arithmetic average.
2.LPR quotation banks should meet the requirements of macro-prudential policy framework, have established internal rate of return curve and internal transfer pricing mechanism, have strong independent pricing ability, have formulated the management measures for quotation interest rate in the loan market of the Bank, and have other conditions conducive to quotation.
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