Postal savings bank has mortgage business, whether it is a first-hand house or a second-hand house, the repayment period is up to 30 years, and the interest rate will be marked when the loan is made. However, in the process of repayment, this interest rate is not fixed, but adjusted with the market LPR, but there are regulations on the adjustment time.

When will the post bank mortgage interest rate be adjusted?

The interest rate adjustment of post bank mortgage is divided into two situations, one is that the loan has been successful, and the other is that the loan has not been applied for or approved.

1. Failing to apply for a loan at the Postal Savings Bank:

Please refer to the LPR quotation of the corresponding term for the loan interest rate. The actual loan interest rate is comprehensively determined according to policies, own conditions and credit status.

Two, has applied for a loan in the postal bank:

1 Please refer to the corresponding clauses in the loan contract. Before the mortgage repricing date, the loan interest rate and monthly repayment amount will not change. On each repricing date, the loan interest rate and monthly repayment amount will be adjusted according to the latest corresponding term LPR of the People's Bank of China on the previous day.

If you choose to convert to a fixed interest rate, the loan interest rate and monthly repayment amount will remain unchanged during the remaining term of the converted loan.

For the housing consumers whose mortgage interest rate is linked to the loan market quotation (LPR) and the annual repricing date is 1, the mortgage interest rate will drop in the new year, but the mortgage interest rate base point determined at the time of loan will not change. For example, when you borrow money, the basis point is 60, so when the interest rate is adjusted, this 60 will not change.

When buying a house with a loan, the actual interest rate that everyone finally gets will be different, and the loan period will be different. Therefore, after the LPR is lowered, the interest actually reduced by everyone will be different on the repricing date of the mortgage interest rate, which is subject to the regulations of the loan bank.