1, stock mortgage, and the interest rate will remain unchanged in 2020.
The floating interest rate loan on stock as mentioned in the announcement refers to the floating interest rate loan (excluding provident fund personal housing loan) that has been issued by financial institutions before June 65438+1 October/0/2020 and has been signed but not issued with reference to the benchmark interest rate of the loan. Since June 5438+ 10/day, 2020, financial institutions are not allowed to sign floating interest rate loan contracts with reference to the benchmark loan interest rate.
2. From March 1 2020, financial institutions should negotiate with customers of existing floating interest rate loans on the conversion terms of pricing benchmark.
From March 1 2020, financial institutions should negotiate with customers of existing floating interest rate loans on the conversion terms of pricing benchmark, and convert the interest rate pricing method agreed in the original contract into LPR as pricing benchmark (the increase point can be negative), and the value-added will be fixed during the remaining period of the contract; It can also be converted into a fixed interest rate. Pricing benchmark can only be converted once, and cannot be converted again after conversion. In the last repricing cycle, the floating-rate loan of inventory shall not be converted. In principle, the conversion of the pricing benchmark of floating rate loans should be completed before August 3, 20201.
3. The pricing benchmark of floating rate loans is converted into LPR. Except for commercial personal housing loans, the value-added amount shall be determined by both borrowers and borrowers through consultation.
The pricing benchmark of floating rate loans is converted into LPR. Except for commercial personal housing loans, the value-added amount shall be determined by both borrowers and borrowers through consultation. The value-added of commercial personal housing loans should be equal to the difference between the latest interest rate of the original contract and the corresponding term LPR issued in February 20 19. From the conversion point to the first re-pricing date after that point (excluding), the execution interest rate level shall be equal to the latest execution interest rate level of the original contract, that is, the sum of LPR and value-added during the corresponding period of 20 19. Thereafter, from the first repricing date, the interest rate level is recalculated on each interest rate repricing date, and is determined by the corresponding period LPR and added value of the latest month.
4. The shortest term of "repricing" of commercial mortgage is 1 year.
Financial institutions can renegotiate the repricing period and repricing date when negotiating pricing benchmark conversion terms with customers. The shortest repricing period for commercial personal housing loans is one year.
5. Commercial mortgage can choose a fixed interest rate.
If the stock floating interest rate loan is converted into a fixed interest rate, the converted interest rate level shall be determined by the borrower and the borrower through consultation, and the converted interest rate level of commercial personal housing loan shall be equal to the latest interest rate level of the original contract.
Reply time: 2022-0 1-05. Please refer to the latest business changes announced by Ping An Bank in official website.