2. When users apply for loans, different banks give different points, so they can choose a lower one, so they can pay less interest after applying for loans. However, users must meet the conditions stipulated by the bank when handling loans. If it is not satisfied, the bank will refuse.
3. The benchmark loan interest rate is directly set by the central bank, namely the People's Bank of China. There are many factors that determine the floating percentage, specifically:
First, the central bank directly stipulates that some loans can go up and some can go down (for example, real estate loans, the current policy tone is to prevent the property market from overheating and insist on not speculating in real estate, so the interest rate of real estate loans will generally go up);
Second, for the sake of their own profit or risk compensation, banks generally adjust loans according to the qualifications or mortgages of individuals or enterprises.
4. After loans overdue is returned, it will be uploaded to the credit information center by the bank, which will lead to poor personal credit information and affect the handling of various loans. Moreover, after the arrears are returned, they will continue to be retained in the credit information for 5 years, and will automatically disappear after 5 years. If it is not returned, the overdue record will always be recorded in the credit report.
1, lpr interest rate refers to the preferential loan interest rate, which refers to the loan interest rate implemented by financial institutions for their best customers. Other loan interest rates can be adjusted on the basis of the basic loan interest rate.
2. Loan Primate (LPR) refers to the loan interest rate executed by financial institutions to their best customers. Other loan interest rates can be determined based on the borrower's credit situation, taking into account factors such as mortgage, term, floating mode and type of interest rate, and adding or subtracting points on the basis of preferential loan interest rate. At present, the preferential interest rate of 1 year loan has been announced to the public.
3.LPR Quoting Bank Group is now composed of 9 commercial banks: China Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank and Industrial Bank. Quoting banks should meet the requirements of hard financial constraints and macro-prudential policy framework, have high systematic importance, great market influence and strong comprehensive strength, establish internal rate of return curve and internal transfer pricing mechanism, have strong independent pricing ability, and formulate the bank's preferential interest rate management measures and other conditions conducive to quotation. The self-discipline mechanism of market interest rate pricing determines and adjusts the members of quotation banks according to the centralized quotation and release rules of preferential loan interest rates, supervises and manages the operation of preferential loan interest rates, and regulates the behaviors of quotation banks and designated issuers.