If you choose to switch to pricing based on LPR, on the next repricing date, your execution interest rate will be calculated and determined based on the LPR of the latest corresponding period, and so on. If you choose a fixed interest rate, the interest rate will be based on the interest rate when you switch, and the interest rate will not change until the maturity of your loan.

You can make this choice based on your own wishes and judgment. If you believe that there is a high probability that the interest rate cut cycle will enter in the future and LPR will show an overall downward trend, it will be more beneficial to switch to using LPR as the pricing benchmark. If you think that LPR is likely to rise in the future, it will be more beneficial to convert to a fixed-rate loan

Response time: 2020-10-09. For the latest business changes, please refer to the official website of Ping An Bank.

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