1. Loans handled by users in banks are usually based on fixed addition and subtraction, but the LPR interest rate is generally reviewed once a year on 1 month, based on the LPR interest rate of 65438+February. If the LPR interest rate rises and the base point remains unchanged, the re-approved loan contract interest rate can be raised; If the LPR interest rate falls, the reassessed real loan interest rate will also fall.
2.LPR interest rate is announced on 20th of every month, not once a year, but 18 quoted banks release loan interest rates respectively, and the interest rate released by the national inter-bank call center is the lowest, excluding the average preferential loan interest rate and the highest LPR. What you need to pay attention to when lending is the level of points. It is best to consult the bank in advance.
3.bps represents the basic point in finance. 100 bps = 1%( 1/000)。 The base point is usually called "BP/BPS". Since 1 basis point is 1% and 0.0 1% of1percentage point, 100 basis point is equal to 1%.