If the lender's original mortgage is a fixed interest rate, it may not be converted. Provident fund loans do not need to be transferred. Fixed interest rate means that the actual execution interest rate of the loan remains unchanged throughout the loan term. Even if the pricing benchmark is changed to LPR, the actual execution interest rate of the loan remains unchanged.

According to the announcement of the central bank, "floating interest rate loans on stock" refers to floating interest rate loans (excluding provident fund personal housing loans) that have been issued by financial institutions before June 65438+1 October12020, but have been signed without reference to the benchmark interest rate of loans.

Provident fund loans do not need to be transferred. For the provident fund commercial portfolio loan, only the commercial loan part is transferred this time, and the provident fund loan part is still executed according to the original contract.