It is still necessary and space to reduce RRR and interest rate cuts in the future, and the downward trend of LPR will not change.

How many basis points should lpr be increased? In fact, banks are mainly determined according to their own specific conditions, local policies and local market conditions. Therefore, banks in different regions may add different basis points. However, the interest rates of most banks in various regions are around 5.4% to 6.2% for the first home loan and 5.8% to 6.4% for the second home loan.

Extended data:

Precautions:

1, the interest rate adjustment date. You can choose to adjust the live loan issuance date of the corresponding date every year on 1.

2. If there are multiple borrowers, such as husband and wife buying a house together, both parties need to complete the conversion and the options are the same.

3. You can apply from March 1 to August 3 1 in 2020, and the interest rate will not be different. They are all converted with reference to LPR published in February 20 1 year. When converting on any day between March and August, the calculated integral is the same.

4. The quoted LPR is based on the terms of the original mortgage contract. For example, the original loan contract was 20 years, with only 2 years left. When converting, reference should also be made to LPR with a term exceeding 5 years. The People's Bank of China stipulates that the term contract of LPR is based on the loan term of the original contract.