If your mortgage is at a fixed interest rate, you don't need to switch. If your loan is a floating rate loan with reference to the benchmark interest rate, according to Announcement No.30 of the People's Bank of China [20 19], you have two options: one is to convert the mortgage loan with the benchmark interest rate into a floating rate loan with LPR as the benchmark; The second is to convert it into a fixed interest rate loan. It should be noted that you only have one chance to select the conversion method. If you have determined and completed the conversion, you cannot change it again. If in doubt, please contact your loan bank for details.

Reply time: 2020- 10- 10. Please refer to the latest business changes announced by Ping An Bank in official website.

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