Your loan was approved. During the repayment period, if the benchmark interest rate stipulated by the state is lowered, then your loan interest rate will be lowered accordingly. However, if only the preferential loan interest rate policy of the bank changes, then your previous loan interest rate will remain unchanged and continue to be implemented according to the interest rate you applied for at that time.

What if the interest rate has just been lowered? Just do it.

Many people take out loans to buy houses. If they don't choose a fixed interest rate, they will pay more attention to the change of mortgage interest rate. If the mortgage interest rate is lowered, the monthly supply may be reduced. Many people have just paid off their loans when the mortgage interest rate has been lowered. So how to deal with this situation? Let's analyze, what if the interest rate has just come down?

What if the interest rate has just been lowered?

Everyone should know that the interest rate of buying a house with pure commercial loans is determined in the form of LPR basis points, where LPR is the floating interest rate quoted by the bank on the 20th of each month 18, and the average value is taken after removing the highest and lowest values; The base point is determined by the lending bank and will not change again, but the overall mortgage interest rate will change with the change of LPR.

However, the mortgage interest rate will not be lowered after the loan interest rate is lowered, because the loan interest rate is mainly based on the interest rate signed in the contract. When setting the mortgage interest rate, reference is made to the latest LPR interest rate at the time of signing the contract, rather than the lowered LPR interest rate. Even if the lender consults with the bank, the reply is based on the original audit interest rate.

Only on the mortgage repricing date, the lender's mortgage interest rate will be repriced according to the latest LPR interest rate for the same period. After the adjustment, only the same interest rate will be implemented in that year, and how to adjust the LPR interest rate during the period will not be affected. For example, if the annual repricing date of the lender is 65438+ 10/0, the mortgage interest rate in 2022 will be determined with reference to the LPR of 5438+0 in February 2026, and the new mortgage interest rate will not change again in 2022.

If the lender really doesn't know his monthly payment after the loan interest rate is lowered, you can check it on the loan bank APP or pay attention to the monthly repayment message sent by the bank. According to the loan amount shown by the bank, he can deposit enough money in the repayment card one day before the repayment date, and the bank can deduct the money.

The above is the relevant introduction of "What should I do if the loan interest rate is just lowered". I hope it will help everyone.

How to adjust the bank interest rate when the mortgage is repaid?

It is normal to encounter interest rate adjustment when mortgage repayment, but for many property buyers, I don't know how to adjust the bank interest rate when mortgage repayment. Today, I will answer your question. Friends who have this problem come and have a look!

How to adjust the bank interest rate when the mortgage is repaid?

Mortgage is a medium and long-term loan, and the interest rate is adjusted according to the contract. Generally, it is adjusted on June 65438+1 October1every year. Therefore, whenever the interest rate is adjusted, the interest rate will be implemented at 65438+1 October1day in the following year, and repayment will be made at this rate throughout the year.

However, it should be noted that when applying for a mortgage, individuals are allowed to choose a fixed interest rate or a floating interest rate. If the floating interest rate selected by the individual has a new loan interest rate, the new loan interest rate can be adjusted, but if the individual has a fixed interest rate, it cannot be adjusted.

Due to the innovation of bank products and changes in policies in recent years, the "interest rate adjustment method" in loan contracts can be negotiated with banks, and most banks can agree on "annual interest rate adjustment" or "monthly interest rate adjustment", which needs to be determined when signing loan contracts. It is generally believed that the interest rate can be adjusted once a year in the rising stage and once a month in the falling stage, which can reduce interest expenses and benefit customers.

How to adjust the "loan interest rate"

There are three forms of loan interest rate adjustment:

First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this);

The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage);

Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans.

It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

What if the mortgage interest rate is lowered?

What if the mortgage interest rate is lowered?

For mortgage loans, at present, almost all banks are in accordance with the requirements of regulatory authorities:

"In the year of interest rate adjustment, the original loan interest rate will continue to be implemented, and the adjusted interest rate will be implemented in the following year, and the monthly repayment principal and interest will be recalculated."

This interest rate policy is not only for mortgages, but also for other types of loans.

After the loan is granted, in case of interest rate adjustment:

1. If the loan term is within one year (including one year), the "contract interest rate" shall be implemented;

2. If the loan term is more than one year, most banks will implement the new interest rate in the following year 1 month 1, and a few banks will implement the new interest rate after the loan is issued for the whole year.

If you borrow money according to LPR's new policy and choose a floating rate loan. Then don't worry about what to do, don't worry about anything!

However, LPR countries require to complete the conversion from March 1 to August 3 1 in 2020.

At present, most banks are unwilling to cooperate with lenders to make changes. First, trouble. Second, banks earn less. But after March 1, the bank has no reason not to change it.

So what you should implement now is the old interest rate. Your current loan interest rate should be 4.655%, which means that the interest rate of 4.9 is 15% off.

In 2020, the LPR of June+10/October in 5438 was 4.8%, and the bank loan interest rate was 4.8%-20 basis points, that is, according to the LPR policy, the interest rate was 4.6%, but the interest rate stipulated by Shanghai should not be lower than 4.65% (the requirements of different places are not necessarily consistent, and the local policies shall prevail). Therefore, the difference between the two algorithms is 0.005%. What is this?

So forget it. Of course, if your local policy is lower according to the LPR New Deal, then you should consider switching to LPR!

Of course, if the national interest rate is lowered because of this epidemic, and your local New Deal LPR is at least much lower than your current interest rate, but your interest rate of 4.655% remains unchanged, you can consider switching to LPR.

It should be noted here that there is only one chance to convert to LPR in a lifetime, and you can't change it if you turn it, and you can't turn it if you don't turn it.

If you want to transfer, it is converted like this:

If your current interest rate is 4.655%, and you agree with the bank to convert it in March, the annual adjustment is 1. 1, and the LPR released in February is 4.7%, then your positive range is 4.7-4.655=0.045, then your interest rate after conversion in March is 4.7%-0.045% =

202 1, 1, 1, on the day of adjustment, it was adjusted to: LPR-0.045, which was priced according to the LPR released on February 20, 2020, and the LPR at this time depends on the macro-control of the state.

To sum up, even if the interest rate is adjusted now, it will have little impact on you, and the impact will not be known until the end of the year, if it is changed to LPR.

Note: The provident fund will not be adjusted with the adjustment of LPR.

The interest rate is lowered, the repayment amount is adjusted according to the terms of the loan contract, and the loan is repaid on time.

After the mortgage interest rate is lowered, the original loan interest rate will be readjusted in the following year, and the loan discount will remain unchanged.

If the loan has been made, the mortgage interest rate at the beginning of this year will be implemented this year and cannot be adjusted again; If the mortgage interest rate still drops next year 1 month, the latest mortgage interest rate will be implemented next year 1 month.

The mortgage interest rate is a floating interest rate. After the bank loan interest rate is adjusted, the mortgage interest rate will also be adjusted accordingly. Generally speaking, it will be adjusted after one year. That is to say, for loans made in March 2065438+2009, the loan interest rate was adjusted in June 2065438+2009, and the regulations of different banks were different, some were adjusted in March 2020, and some were adjusted in June 2020 1. Generally, it will be adjusted on June 65438+1 October12020.

Don't worry, the bank will let you change it into LPR. Going home stipulates that the modification of the existing mortgage should be completed before August 20. Of course, you can choose not to modify it, so your current interest rate will be fixed forever.

The previous loan is still the same, but the interest is a little less.

Enjoy the lowered new interest rate next year 1 month.

If the loan is to be lowered from the previous loan, it must be adjusted. I hope that all countries will give support to the majority of people who buy houses, and I hope that house prices will be stable for a long time [come on]