Anchor generally refers to ship anchor, which is the main component of mooring equipment. Anchor refers to an iron ship stopping device, which is connected to the ship with a chain. Throwing the anchor under the water can stop the ship.

Mortgage interest rate "changing anchor" refers to the new mortgage policy implemented from 2065438+2009 10.

On August 25th, the central bank announced that from1October 8th, the new commercial personal housing loan interest rate will be set with reference to the loan market quotation (LPR), 10. Changing the anchor means that the new policy of the central bank is officially implemented nationwide, and the new mechanism of mortgage interest rate begins to switch.

LPR: loan benchmark, which refers to the best lending rate.

The preferential loan interest rate is the loan interest rate implemented by commercial banks for their high-quality customers, and other loan interest rates can be generated by adding or subtracting points on this basis. The centralized quotation and release mechanism of loan preferential interest rate is that on the basis of the quotation bank's independent quotation of the bank's loan preferential interest rate, the publisher is designated to calculate the quotation by weighted average, and the average quotation rate of the quotation bank in the loan preferential interest rate is formed and announced to the public.

LPR Quotation Bank Group is now composed of nine commercial banks, namely Shanghai Pudong Development Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications, Bank of China, China CITIC Bank, Industrial Bank and Bank of China.