The mortgage base point is an essential factor in calculating mortgage interest after the state adjusts the mortgage interest rate. At present, the mortgage interest rate is calculated by the model of LPR interest rate+mortgage basis point, in which the mortgage basis point remains unchanged after the mortgage users and banks determine it, and then the mortgage interest rate will change with the change of LPR interest rate, with 65,438+000 basis points as 65,438+0%.

How to calculate the loan basis point?

The basis point is 0.0 1%, which is one percent. At present, the newly issued commercial personal housing loans are all based on the LPR of the corresponding period in the latest month (the plus point can be negative and fixed within the contract period).

The central bank's announcement mentioned that the interest rate of the first set of commercial personal housing loans should not be lower than the LPR in the same period, and the interest rate of the second set of commercial personal housing loans should not be lower than the LPR plus 60 basis points in the same period.

The quotation of 65438+February 2 1 is: the one-year LPR is 3.85% and the five-year LPR is 4.65%. In this way, the interest rate of the second home loan stipulated by the central bank announcement is not less than: 4.65%+0.6%=5.25%.

However, LPR changes every month. For example, the quotation in March is: the five-year interest rate of LPR is 4.75%; The quotation of 65438+ 10 month is: LPR of more than 5 years is 4.80%. If we calculate the LPR in March, the interest rate of the second home loan stipulated in the central bank's announcement should be no less than: 4.75%+0.6% = 5.35%; The LPR of 65438+ 10 month is calculated as 4.80%+0.6%=5.40%.

Of course, different banks will have different mortgage interest rates. Suppose the mortgage interest rate stipulated by the bank is LPR plus 125 basis points, then according to April LPR, it is: 4.65%+ 1.25%=5.90%.