How to transfer the loan from Agricultural Bank to LPR? If the loan is made before 2020, it should be automatically transferred to LPR. As long as you don't go to the bank, the bank will automatically transfer to LPR in June+February, 5438. This year's loan is unclear. If you are not sure, you can transfer money on the mobile APP of Agricultural Bank of China, or you can transfer money at a bank outlet. You can transfer money at the self-service machines in most outlets. If you are not sure, you can ask the bank staff.
Last year, banks implemented two loan models, one is fixed interest rate, for example, the current 20-year mortgage interest rate is 4.9. If you choose a fixed interest rate, your loan interest will be calculated at 4.9 in the future. Even if the bank cuts interest rates in the future, you won't enjoy it. Of course, if the bank interest rate becomes higher, you won't go up with it. The other is LPR, which means you will follow the market. For example, if the bank cuts interest rates, you will also enjoy it.
At the beginning, the bank said that if you didn't take care of it, it would automatically default to a fixed interest rate. Later, the bank issued regulations, and if it does not change, it will automatically turn into LPR. However, there was a chance to change it before the end of last year. If you want to use a fixed interest rate, you can have a chance to change it at the bank. If you just want to use an LPR, you don't have to take care of it. At present, the interest rate of LPR is lower than the fixed interest rate.
I personally went to the bank to change the interest rate to a fixed interest rate, mainly because I think I am used to paying so much money every month now, so I will be fixed in the future. Even if the bank loan interest changes in the future, I won't regret it. Of course, this way is more suitable for me, and it doesn't cost much. As for the choice of interest method, it depends on the individual. I'm not a financial person, and I can't guess the bank's policy. I can only choose to change and not change.
How does the Agricultural Bank app transfer to lpr?
Users log in to the ABC mobile banking APP, click on the loan on the home page, and click on the pricing benchmark conversion. After entering the notification page, click the read notification below. After entering the loan pricing benchmark conversion page, the loans that meet the conversion conditions will be displayed, and click the loan to be converted. Then select the interest rate pricing method and repricing date, and click Sign up.
If you choose floating interest rate, the interest rate will be adjusted periodically with the change of LPR, and if you choose fixed interest rate, the interest rate will remain unchanged.
Agricultural Bank of China needs to handle the conversion of LPR pricing benchmark, which way is better?
Under normal circumstances, ABC needs to change the pricing benchmark of LPR and handle the floating mode.
Agricultural Bank of China provides users with convenient loan pricing benchmark conversion service, and users can sign their own contracts through online channels such as mobile banking and online banking. If the user chooses to re-sign the contract, the previous loan interest rate will be converted into LPR interest rate as the pricing benchmark interest rate for the user's subsequent loan interest.
Calculated at the new interest rate. Note that the user applies for re-signing online, and the Agricultural Bank will send a text message to inform the user after the successful signing. After the mortgage pricing benchmark is converted into LPR, the value-added should be equal to the difference between the latest execution interest rate of the original contract and the LPR in February 2065438+2009+65438 (which can be negative).
Extended data:
The introduction of LPR pricing benchmark conversion is as follows:
In the past, floating rate loans were generally determined by a certain proportion of the benchmark interest rate. The benchmark interest rate for five-year loans is 4.9%, and the real interest rate before conversion is 4.9× (1-10%) = 4.41%. 20 19 and 12 issued an LPR of more than 5 years, which was 4.8%. According to the principle of constant interest rate at the time of conversion.
The addition and subtraction of this mortgage is -0.39%=4.4 1%-4.8%, which is minus 39 basis points. Until the mortgage is repaid, the mortgage interest rate will change with the change of LPR for more than five years.
People's Daily Online-The full moon of mortgage pricing benchmark conversion is still waiting to be seen.
People's Network -LPR mortgage interest rate conversion has entered the countdown! The lender's weighing and pricing dates are not selected.