Under normal circumstances, the repricing date of most loans is 65438+ 10/0 1 or the month to the date of loan issuance. For example, if the loan issuance date is April 25th, 2020, the repricing date is April 25th corresponding to each year.
On each repricing date, the interest rate is recalculated and determined by the LPR interest rate+basis point of the corresponding period in the latest month. For example, if 65438+1 October1every year is selected as the repricing date, the repricing interest rate is determined according to the LPR interest rate published on February 20th of the previous year. If the month corresponding to the loan issuance date is selected as the repricing date, the repricing interest rate is determined according to the LPR interest rate announced on the 20th of last month.
Select the difference between different repricing dates.
1. If the repricing date is 65438+ 10/month, there is only one result.
According to the regulations of the central bank, if the mortgage interest rate is changed at any time between March 1 and August 3 1 in 2020, the interest rate in 2020 will be consistent with the original contract interest rate, and the mortgage interest rate will be changed from June 202 1 to June 1 in 2020.
Two, choose the repricing date as the corresponding date of annual loan issuance, there are two results.
1, and handle the conversion procedures from March 1 to August 3 1. If the processing time is before the repricing date and the mortgage interest rate changes from this year's repricing date, it may be that you enjoy more preferential treatment, because the latest LPR interest rate is 4.75%.
2. Go through the conversion formalities from March 1 to August 3 1. If the processing time is after the repricing date, the mortgage interest rate will not change until the repricing date next year, which may be the case that you enjoy less preferential treatment.