; ? Now, the interest rate of existing mortgage loans will also begin to change its anchor, and lenders need to convert the previous benchmark pricing into LPR pricing or fixed interest rate. Moreover, many people jointly borrow money to buy a house after marriage, one of which is the main lender and the other is the sub-lender. So, is it necessary for both of them to convert the mortgage pricing benchmark, or just the main lender? Let's have a look.

We know that the joint loan can only be handled when both the main lender and the sub-lender are present, and one of them can't be absent. Therefore, the conversion of the existing mortgage pricing benchmark is the same, because it is quite common to sign a loan contract with a bank and agree on a new loan interest rate, and it is definitely necessary to seek the consent of both parties.

As for how to convert, there are two channels:

1 Mobile Banking:

The main lender logs into the mobile banking of the loan bank, enters the loan interface, selects the mortgage loan that has been handled, and will see "interest rate benchmark conversion" and initiate an application from "LPR interest rate" or "fixed interest rate".

The bank will send relevant short messages to the mobile phone of the sub-lender, and the sub-lender will log in to the mobile phone bank of the lending bank and confirm the conversion scheme initiated by the main lender.

2. Handling of outlets:

Lenders and main lenders can choose nearby loan bank outlets for handling within the specified time without going to the original loan handling bank.

It should be noted that the joint loan requires the primary lender and the secondary lender to be present at the same time and provide relevant information, such as marriage certificate, valid ID card, household registration book, etc. In addition, both lenders must confirm the selected adjustment plan at the same time. If one party vetoes, the adjustment method cannot be successfully converted.