Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%. If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%. The interest rate of the first home mortgage rose by 10%, that is, it rose on the basis of the benchmark interest rate of the central bank loan. Generally, mortgages are long-term loans for more than five years. After the increase of 10%, the mortgage interest rate = 4.9 %× (110%) = 5.39%. Similarly, a 20% discount on the first home loan interest rate in a certain area means that the bank's first home loan interest rate is 4.9%×80%=3.92%. The interest rate of the first home loan may be different in different regions and different banks. At present, the interest rate of the first home loan for commercial loans generally rises by 5% to 20%, depending on each city.

2.2065438+In August 2009, the mortgage interest rate under the Postal Savings Office was 5.39%. Is it appropriate to change the interest rate of LPR?

Suitable.

For individual lenders, if the current loan interest rate is not high, such as only 3% and 4%, then it is best to choose a fixed interest rate, because it may not drop to that low in the future. But if the interest rate is close to 5%

Generally, the loan term is relatively long, which may be around 15 years. In such a long period, the interest rate itself has a cycle of rising and falling, and the final rising and falling may offset each other, so borrowers need not be overly nervous and anxious.

Extended data

Precautions:

According to relevant persons of CITIC Bank, the conversion rate of the bank's personal stock loan pricing benchmark exceeds 80%, and more than 90% of the conversion customers choose the LPR floating pricing model.

The data shows that since August last year, the LPR linked to the interest rate of individual housing loans for more than five years has dropped from 4.85% in the first phase to 4.65% at present.