1. What does it mean to anchor the mortgage interest rate?
On August 25th, the central bank announced that from1October 8th, the new commercial personal housing loan interest rate will be set with reference to the loan market quotation (LPR), 10. Changing the anchor means that the new policy of the central bank is officially implemented nationwide, and the new mechanism of mortgage interest rate begins to switch.
2. Is the interest rate rising or falling after changing the anchor?
Generally speaking, the interest rate after adding points according to LPR in most areas has little change compared with the original interest rate. Taking Beijing as an example, the original mortgage interest rates of the first suite and the second suite are calculated according to the five-year sum announced on September 20, and the new mortgage interest rates of the first suite and the second suite are respectively and, especially for those who just need to buy houses, there is no need to disrupt the purchase plan because of the adjustment of mortgage interest rates.
3. What is the impact on the old mortgage after changing the anchor?
For buyers who have applied for mortgage loans or signed loan contracts but have not yet released loans on October 8, 65438/KLOC-0, the interest rate will still be implemented according to the contract in the short term, but there will be policy changes after 2020. At that time, banks will also notify buyers by telephone and other means.
4. Does changing the anchor have an impact on the provident fund loan?
Provident fund loans still correspond to the benchmark interest rate, so the new mortgage interest rate has little impact on these buyers.10 There is no need to sign a loan contract on June 8.
What does the above mortgage interest rate anchor change mean? I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.