60. In the bank mortgage, the interest rate of the second commercial personal housing loan is not lower than the loan market quotation rate of the corresponding period plus 60 basis points, that is, in general, the basis point of the second suite LPR must be greater than or equal to 60 basis points.
What is the basis of the loan?
The base point of mortgage growth is not permanent.
For loan users who have signed mortgage contracts, the basis point is fixed. For example, the quotation for a five-year loan is 4.65%. Suppose the user adds 80 BP to the quotation to apply for loan approval, and the execution interest rate is 5.45%.
If the subsequent LPR quotation is 4.75% and the user chooses floating interest rate, the execution interest rate is 5.55%. It can be seen that the change is LPR, and the basis point remains unchanged after the contract is signed.
On a large scale, the basis point has changed, and this change is due to changes in banks or lending platforms. For example, the current five-year LPR quotation is still 4.65%, but even for the first home loan, users in the same city will be different at different times, which is that the basic point is changing.
Generally speaking, the interest rate of bank mortgage is usually determined by the borrower and the borrower through consultation, and can be appropriately adjusted monthly, quarterly or annually during the contract period. Of course, buyers can also use the fixed interest rate method.
In the case of rising mortgage interest rate, choosing fixed interest rate is the best choice, which can make loans enjoy low interest rate. On the contrary, under the trend that the mortgage interest rate is expected to be lowered, it may be adjusted monthly, so that both parties will not suffer.
Calculation of loan basis point
The basis point is 0.0 1%, which is one percent. At present, the newly issued commercial personal housing loans are all based on the LPR of the corresponding period in the latest month (the bonus item can be negative and fixed during the contract period).
The central bank's announcement mentioned that the interest rate of the first set of commercial personal housing loans should not be lower than the corresponding term LPR, and the interest rate of the second set of commercial personal housing loans should not be lower than the corresponding term LPR plus 60 basis points.
The daily quotation on June 5438+February 2, 2020/KLOC-0 is: one-year LPR 3.85% and one-year LPR 4.65%. In this way, the interest rate of the second home loan stipulated by the central bank announcement is not less than: 4.65%+0.6%=5.25%.
However, LPR changes every month. For example, the quotation in March is: LPR is more than 4.75% for five years; 65438+ 10 month's quotation is: LPR 4.80% for more than 5 years. If the LPR in March is calculated, the interest rate of the second home loan stipulated by the central bank announcement should be no less than: 4.75%+0.6% = 5.35%; The LPR of 65438+ 10 month is calculated as 4.80%+0.6%=5.40%.
Of course, different banks will have different mortgage interest rates. Suppose that the mortgage interest rate stipulated by a bank is LPR plus 125 basis points, then according to April LPR, it is: 4.65%+ 1.25%=5.90%.
How many basis points does the first suite lpr add?
The first suite lpr plus base point varies from place to place, about 60 base points.
The loan interest rate of the first suite can't be lower than the lpr quotation in the same period, but the specific value-added is not clearly defined, so there is no exact figure on how many basis points the first suite is lpr plus. There will be differences in different cities. For example, Hangzhou has raised the mortgage interest rate for four consecutive times since May, from 5.2% for the first time to 6.25%, with an increase rate of 160 basis points. After the fourth mortgage interest rate increase in Guangzhou, the first home loan interest rates of the four major banks reached 5.65%, up by 90~ 100 basis points; Shanghai's first home loan interest rate has risen to 5%, up 30 basis points.
Lpr plus basis point is floating interest rate, and the validity period is 1 year. After the expiration of the validity period, the bank will calculate according to the new lpr interest rate plus or minus points. If the subsequent lpr interest rate is lowered, the borrower's comprehensive mortgage interest rate will not be too high, depending on the change of market interest rate.
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