1, the monthly mortgage payment has become less, and it is very likely that the buyers have chosen the repayment method in the average capital. The average capital repayment method refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is less and less. It is also convenient to determine the repayment ability according to your own income. The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first. If it is used for mortgage, this method is more suitable for people who are at the peak of work or are about to retire.

2. Because the customer's mortgage interest rate is linked to LPR, the monthly mortgage payment is reduced. When LPR decreases, the customer just completes a mortgage cycle, and the loan interest rate is adjusted according to the change of LPR, so the monthly mortgage repayment of the customer will be less.

At present, the factor that affects the change of customers' monthly supply is LPR, which will be re-published once a month. Whether it is the previous mortgage or the customer who is ready to buy a house, the change of LPR is very important. As a lender, I naturally hope to lower it a little.

At present, the newly generated mortgages are all linked to LPR, but this does not mean that the mortgage interest rate of customers will change every month, mainly for the following reasons:

1) Although LPR is republished every month, it will not be adjusted every month.

2) Even if LPR is adjusted, it will not be immediately reflected in the mortgage interest rate of existing customers. When a customer signs a mortgage contract with a bank, he will agree on the change cycle of the loan interest rate, and the shortest time of this cycle is 1 year.

Does LPR change once a year or at any time?

LPR interest rate is the guiding interest rate of loans. It is quoted by 18 bank * * *, and there are two kinds of interest rates after removing a highest value and a lowest value and taking the average value: 1 year and 5 years. LPR interest rate is also a floating interest rate. Generally, the price is quoted again on the 20th of every month, so LPR is not changed once a year, nor at any time, but every month.

Whether it will change specifically depends mainly on the monthly market of LPR. For example, if the LPR quotation for the same period of this month is lower or higher than that of last month, it indicates that the LPR has changed. If the LPR quotation is the same for several months, it means that there is no change.