If there are more than two borrowers in the original loan contract of CCB loan replacement LPR, the conversion can only be completed after all the borrowers agree and complete the formalities. From March 1 2020, multiple borrowers of the original loan contract need to handle it through China Construction Bank's mobile banking and online banking (online banking customers) respectively.
Depending on the development of the epidemic situation, multiple borrowers of the original contract can bring their original valid identity documents to any intelligent counter in the business outlets of China Construction Bank.
Machine (STM) respectively, or to the business outlets, personal loan center counter. The time limit is August 2, 20201.
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On August 25th, 2020, 12, five state-owned banks, namely ICBC, China Construction Bank, Agricultural Bank of China, Bank of China and Postal Savings Bank, announced at the same time that individual housing loans within the scope of batch conversion would be uniformly adjusted to LPR (loan market quotation) pricing method according to relevant rules. The announcement also made it clear that if there is any objection to the conversion result after the batch conversion is completed.
It can be transferred back through relevant channels or negotiated with the loan handling bank before 65438+February 3, 20201. On July 20th, Bank of Communications took the lead in issuing an announcement, and on August 20th, on 2 1, the existing floating rate mortgage that has not been converted into loan market quoted rate (LPR) or fixed interest rate was uniformly adjusted to LPR floating rate addition and subtraction.
For Bank of Communications customers who have objections to batch conversion, they can also negotiate with the loan handling bank before February 3, 2020.
Does the floating interest rate of lpr change every year?
Not necessarily.
1, the repricing date of lpr floating interest rate, if it is in years, will change every year; If it is a quarter, it is a quarterly change. In short, the floating interest rate of lpr will not change before the repricing date.
2.lpr floating interest rate is priced by adding a fixed value to lpr interest rate. If the previous quotation of lpr interest rate on the repricing date is the same as the original interest rate, the floating interest rate of lpr will not change.
For example:
Assume that the annual re-pricing date is 65438+ 10 month 1, the implementation interest rate is 4.75% in 2022, and the number of points added is 0. 1%. If the lpr interest rate announced by the People's Bank of China on February 20th, 2022 is 4.45%, then in 2023 it will be 65438+1October 65438.
It can be seen that if the floating interest rate of lpr changes every year, it needs to have the preconditions that the repricing date changes every year and the interest rate quotation of lpr changes.
If you don't know your online loan application, you can try to get the big data report of Xiaoqi Credit Information, check your detailed loan record, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
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What is the lpr interest rate?
1, the lpr interest rate refers to the loan market quotation, which is calculated by 18 representative banks at the same quotation, and then the lpr is calculated at an integer multiple of 0.05% after removing one of the highest and lowest quotations.
2.lpr interest rates are divided into 1 year and more than 5 years, which are published by the People's Bank of China on the 20th of each month to provide pricing reference for bank loans.
3.lpr floating interest rate is priced by adding points to lpr interest rate, that is, lpr floating interest rate =lpr interest rate+plus points. Once the bonus is determined, it will be fixed until the loan is settled.
When does China Merchants Bank usually convert the mortgage interest rate?
Changing to the benchmark interest rate of the People's Bank of China can be reversed through the operation of applying for a mobile banking loan. There are several steps: 1 Log in the loan application, enter the LPR interest rate conversion and change record page, click button 2 at the bottom of the page to enter the conversion list page, and click unconverted.
China Merchants Bank will convert the pricing benchmark of all commercial personal housing loans into LPR in early April. If you have any objection after batch conversion, you can contact the local post-lending center to try to make post-lending changes, change the floating interest rate to a fixed interest rate, or automatically convert it into PBOC benchmark interest rate model through self-service channels in August 2020.
LPR announcement time LPR interest rate is adjusted once a month, but this does not mean that the mortgage interest rate based on LPR is also adjusted once a month. The pricing cycle of the user's mortgage interest rate can be negotiated with the loan bank. The shortest time period is 1 year, and the longest is the contract period. For example, if the agreed term is 1 year, then it is within 1 year.
The loan market quotation rate LPR refers to the interest rate calculated and published by the National Interbank Funding Center authorized by the People's Bank of China after the quotation bank completes the quotation, including varieties with a term of 1 and a term of more than 5 years. From August 20, 2065, 438+09, LPR will be postponed to 9: 30 on the 20th of each month in case of holidays.
The adjustment of China Merchants Bank's mortgage interest rate is based on the LPR benchmark interest rate announced by the central bank. China Merchants Bank can only adjust the floating interest rate by itself.
At present, the preferential interest rate of 1 year loan LPR quoted to the public is composed of nine commercial banks, namely Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank and Industrial Bank, which should meet the hard financial constraints and macro-prudential policies.
20 19 Starting from August 20th, LPR will announce the response time of June 22nd, 2022 at 9: 30 on the 20th of each month at the National Interbank Funding Center and the website of China People's Bank, for your reference in case of holidays. If there are business changes, please refer to the latest business rules. If you have any questions, please let me know.
On the basis of the preferential loan interest rate, the addition and subtraction points are determined. At present, the loan preferential interest rate LPR for 1 year is composed of 9 commercial banks: China Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank and Industrial Bank.
At the same time, considering the sufficient provision level, the profit of China Merchants Bank is expected to maintain rapid growth. Looking forward to the future, it is expected that China Merchants Bank's interest margin will still face downward pressure, mainly due to the interest rate cut on the asset side, and it is expected that the yield on the asset side will still be under pressure. Moreover, the head office reflects the trend of the industry in the next two years.
LPR is determined by 18 bank interest rate, and banks have the right to decide their own loan interest rate. National Bank 18, some city banks, such as China Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank and Bank of Communications.