Lpr is the loan interest rate executed by commercial banks for their best customers, and other loan interest rates can be generated by adding and subtracting points on this basis.
The centralized quotation and release mechanism of preferential loan interest rate is based on the quotation bank's independent quotation of its preferential loan interest rate, and the publisher is designated to perform arithmetic operation on the quotation to form the average interest rate quoted by the quotation bank's preferential loan interest rate and announce it to the public. At the initial stage of operation, the preferential loan interest rate of 1 year was announced to the public.
LPR Quoting Bank Group is currently composed of nine commercial banks.
LPR interest rate is the abbreviation of the best lending rate, which is based on the same quotation of 18 bank, excluding a highest value and a lowest value, and then averaging it and updating it on the 20th of each month.
The interest rate of new commercial personal housing loans issued after 20 19 10/8 is formed by adding the LPR of the corresponding period in the latest month as the pricing benchmark. LPR is calculated by the quotation of the quotation bank in the loan market. LPR is adjusted once a month.
After 65438+10.8, the mortgage interest rate = LPR+ the most recent month+the bonus item of the provincial people's bank+the bonus item of the commercial bank (note: the bonus item can be 0, and the bonus item of the second suite country is 60).
During the loan period, the interest rate repricing period can be agreed with the bank, that is, it can change or remain unchanged with LPR every year.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways.
LPR Quoting Bank Group is currently composed of nine commercial banks. Quoting banks should meet the requirements of financial hard constraints and macro-prudential policy framework, with high system importance, great market influence and strong comprehensive strength.
The internal rate of return curve and internal transfer pricing mechanism are established, which has strong independent pricing ability. Formulated the measures for the management of the best interest rate of our bank's loans and other conditions conducive to the quotation work.
The self-discipline mechanism of market interest rate pricing determines and adjusts the members of quotation banks according to the centralized quotation and release rules of preferential loan interest rates, supervises and manages the operation of preferential loan interest rates, and regulates the behaviors of quotation banks and designated issuers.