The mortgage interest rate changes automatically at the following two time points:

1, adjust on 1. When a customer signs a mortgage contract with a bank, if there is no special agreement, the customer's mortgage interest rate will be adjusted on June 65438+ 10/0, and once a year.

2. Adjust on the next mortgage payment date. For example, if the customer's mortgage is paid on June 10, then the bank may also set the adjustment date of the customer's mortgage interest rate on this day.

If customers don't know when their mortgage interest rate will change, they can call the bank that originally handled the loan or check their mortgage contract.

After the mortgage interest rate changes, the bank will determine the customer's mortgage interest rate according to the latest LPR. Generally speaking, customers do not need to take the initiative to apply, and the banking system will automatically adjust the customer's mortgage interest rate.

Of course, customers can also pay attention to the change time of mortgage interest rate and communicate with the bank as soon as possible if there is any problem. If customers find that their mortgage interest rate has not been adjusted, it may be caused by the following reasons:

1 and LPR have not changed compared with the previous cycle. What affects the rise and fall of customer mortgage interest rate is LPR. If LPR remains unchanged, the added value is fixed, and the natural mortgage interest rate will not be adjusted.

2. The customer has a fixed mortgage interest rate. For example, the provident fund loan, or the fixed interest rate selected by the previous stock mortgage, in this case, the mortgage interest rate will not change.

3. The bank's negligence caused the customer's mortgage interest rate not to be lowered. This situation may exist, but it is not common. Although the mortgage interest rate reduction does not require customers to take the initiative to apply, the banking system will operate automatically, but in order to avoid this situation, customers can pay due attention to this matter.

From the customer's point of view, it is natural to see that the mortgage interest rate can be lowered, but the change of LPR is difficult for customers to control, so customers should keep an objective attitude towards the rise and fall of mortgage interest rate.

Which one to press on the day of lpr adjustment?

Mortgage loans usually have a repricing cycle. If the loan interest rate is formed by adding lpr as the pricing benchmark, you can choose 65438+ 10/day every year as the adjustment date of lpr interest rate, and then re-price the mortgage interest rate according to the new lpr on 65438+1 0/day every year. Of course, the pricing cycle is not less than one year, and customers can choose to change it once a year or once every two or three years.

In addition to choosing the repricing date at the beginning of each year, customers can also choose the lpr interest rate adjustment date according to the loan issuance date. For example, if a customer applied for a mortgage on May 10, 2020 and signed a loan contract, if the repricing period is one year, the repricing date can be May 10 every year.

Of course, lpr will be re-priced on the 20th of each month, but the mortgage interest rate will not change according to the monthly change of lpr, but will change when the cycle comes. We also need to note that the mortgage interest rate is based on lpr. After that, the change of interest rate mainly comes from the change of lpr, and the value of the increase point is fixed within the determined loan period.

Lpr interest rate adjustment date of CCB mortgage

The mortgage interest rate of CCB LPR is adjusted every year 1 month 1 day.

The full name of LPR is Loan Primate, which means "Loan Primate". This interest rate was originally used for corporate loans, and then gradually began to reform.

LPR is the loan interest rate provided by financial institutions to the best quality customers, so for ordinary lenders, it means that they don't have to accept various interest rate changes and settle directly at the most favorable interest rate. For lenders and enterprises, it is to reduce financing costs and promote interest rate marketization.

At present, the formation of LPR is determined by medium-term loan facility (MLF), long-term loan (housing loan) and quotation bank, and the quotation frequency is changed from daily quotation to monthly quotation, thus forming the formation system of LPR. The formulation of this system is a guiding process, only the loan interest rate is reformed, but the deposit interest rate is not, which shows that it is to guide funds, with lower cost, which will be more conducive to corporate loans.

Can the interest rate adjustment date of CCB be changed?

The adjustment date of CCB interest rate can be changed. Only when the central bank adjusts LPR can banks adjust monthly. For example, if it lends money on August 1 day this year, it will have to wait until August 1 day next year to adjust the LPR accordingly.