In 2020, due to the adjustment of LPR benchmark interest rate, the loan interest rate in Shanghai has changed greatly. However, this change is only aimed at the adjustment of the interest rate of commercial personal housing loans, and the interest rate policy of provident fund personal housing loans has not been adjusted yet.

1, commercial loan interest rate of Shanghai second home loan in 2020

Shanghai mortgage interest rate will remain unchanged in 2020. Based on the Shanghai mortgage interest rate of 20 19 and 10, the adjustment is as follows:

Benchmark: LPR=4.85%

The first set: LPR-20bp=4.65%

Two sets: LPR+60bp=5.45%

In April 2020 (data monitoring period is from March 20, 2020 to April 9, 2020, 19), the quoted interest rate (LPR) of the loan market is 1 year, 3.85%, 5 years and above, 4.65%.

2. Since 20 19 10 8, the new commercial personal housing loan interest rate is formed by adding the loan market quotation (LPR) of the corresponding period of nearly 1 month as the pricing benchmark. Among them, the interest rate of the first commercial personal housing loan shall not be lower than the LPR in the same period, and the interest rate of the second commercial personal housing loan shall not be lower than the LPR plus 60 basis points in the same period.