Is the mortgage basis point plus 100 high?
It's normal. For example, the LPR interest rate is 4.5%, and the mortgage basis point is 20BP, that is, 0.02%. On the basis of 20BP, adding 100 becomes 120BP, that is, 0. 12%, so the mortgage interest rate changes from the original 4.52% to 4.65%, that is, it increases by 0.65433.
It should be noted that, under normal circumstances, the mortgage base point of people who have signed loan contracts will not change. If the loan contract is not signed, the mortgage base point may change to some extent due to policy influence, regional reasons, personal circumstances and other reasons.
Mortgage base point
The mortgage base point is an essential factor to calculate the mortgage interest after the country adjusts the mortgage interest rate. At present, the mortgage interest rate is calculated by the model of LPR interest rate+mortgage basis point, in which the mortgage basis point remains unchanged after the mortgage users and banks determine it, and then the mortgage interest rate will change with the change of LPR interest rate. After the reform of LPR interest rate, the basis point of housing loan is based on the quotation of financial institutions, with 1 basis point of 0.0 1% and 100 basis point of 1%.
The above are some contents of the mortgage base point, so you can pay attention to it.