If the LPR is higher than 6. 12% in the next five years, you can choose a fixed interest rate. On the other hand, if it is judged that the future LPR is lower than 6. 12%, you can choose LPR.

Since June 20 15 and 10, the benchmark interest rate of the loan has remained unchanged. Compared with the benchmark loan interest rate, LPR has a higher degree of marketization, which can reflect the changes of market interest rate in time, and has dropped several times since August 2065438+2009. Promoting the conversion of the pricing benchmark of floating rate loans is to protect the rights and interests of both borrowers and borrowers, especially to let borrowers enjoy the benefits brought by the downward interest rate.

Extended data:

For borrowers, if the current mortgage execution interest rate is higher than LPR, when LPR rises in the future, the method of adding and subtracting points is more favorable; When LPR decreases, the floating multiple method is more favorable. If the current interest rate is lower than LPR, the floating multiple method is more favorable when LPR rises in the future; When LPR decreases, the method of adding and subtracting points is more favorable.

In fact, when the reference loan benchmark interest rate fluctuates by a certain multiple, the change of the loan benchmark interest rate will have an asymmetric effect of enlarging or narrowing the loan execution interest rate.