1. Once the LPR interest rate changes, the interest will be calculated in installments in the month of repricing date. The first half of the current monthly payment refers to the old interest rate, and the second half refers to the new interest rate.
2. Usually the loan interest rate is in the form of annual interest rate, but according to international practice, the annual interest rate is 360 days, and the average monthly score is 30 days. However, in practice, the interest is calculated according to the actual number of days in the current month.
If last month was 30 days and the month of repricing day was 3 1 day, which was 1 day more than last month, if the interest rate drop caused by LPR interest rate is not equal to the interest of 3 1 day, the monthly supply will naturally increase.
To sum up, this situation generally occurs when the month where the repricing date is located is a big month, the previous month is a small month, and the repricing date is the end of the month. In this way, the actual number of days affected by the decline of LPR interest rate in the month is less, and naturally there will be cases where the decline of interest rate cannot make up for the interest of 3 1 day.
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Is it useful to reduce LPR after paying off the mortgage?
After the next LPR, the mortgage loan has been reduced, which is still useful. As long as the lender's mortgage choice is linked to LPR, the mortgage interest rate may be adjusted after the LPR is lowered. As long as the lender's mortgage completes a mortgage cycle, the mortgage interest rate will drop.
The choice of mortgage interest rate is linked to LPR, and lenders naturally tend to lower interest rates. However, in most cases, the change of LPR is not great, which is a relatively stable state. In addition, the adjustment of LPR depends on the market environment, and its ups and downs are unpredictable for lenders.