1. It depends on the loan interest rate type of the mortgage. If you apply for a fixed-rate mortgage loan, the repayment amount of the mortgage loan will not change with the benchmark loan interest rate (LPR), and the loan will be repaid at the determined loan interest rate during the whole repayment period. The change of bank loan interest rate has no effect on mortgage repayment. If you apply for a floating rate mortgage, the repayment amount of the mortgage will change with the change of LPR, and the change of bank loan interest rate will have an impact on the mortgage repayment.
2. In addition, although the mortgage repayment amount of floating rate mortgage loan changes with the change of LPR, this change has a fixed period and depends on the repricing period agreed in the contract. The repricing period is generally one year, and the interest rate is adjusted once a year on the repricing date, which is generally 65438+ 10/month 1 or the loan issuance date.
3. That is to say, if you handle a mortgage with floating interest rate, on the repricing date, if the corresponding period LPR of the latest month is lower than the previous pricing date, you can enjoy the benefits of interest rate reduction in the next repricing period, and the repayment amount of the mortgage will be reduced; On the contrary, the interest will increase accordingly, and the amount of mortgage repayment will also increase.
The above is the information I found for you about whether the change of bank loan interest rate has an impact on mortgage repayment, and I hope it will help you.