The floating interest rate of mortgage loan refers to LPR. If there is no agreement, it will be adjusted once a year by default. If there is an agreement, it shall be adjusted according to the agreement between the user and the bank. Users can choose the frequency of adjustment by themselves.

Calculation formula: lpr floating interest rate =lpr base interest rate+bonus points.

How to adjust?

1. If the loan is successful, the floating rate loan will be re-priced according to the re-pricing date and re-pricing cycle agreed in the contract after the loan is issued. Fixed interest rate During the whole loan period, the actual execution interest rate of the loan remains fixed and will not change due to the adjustment of LPR.

2. If there is no loan, it will be determined according to the loan market quotation (LPR), which is basically based on the newly published LPR. When the real estate market is depressed, it will be lowered on the basis of LPR, and when the real estate market is hot, it will be added on the basis of LPR.