The annualized interest rate is 5.2%, and lpr plus 75 basis points means an increase of 7.5 interest points. According to relevant data, the base point addition of lpr interest rate means that the lpr interest rate consists of the published lpr value plus a base point, and the base point is fixed, while the lpr interest rate changes with the change of lpr value. At present, there are very few cities where the interest rate of the first suite is discounted. Users are allowed to choose one of the fixed interest rate and the lpr interest rate, which can be converted to each other, but only once.