Lpr conversion needs to be confirmed by * * * and the borrower and the main borrower * * *, but to confirm the conversion, the main borrower and * * * and the borrower can bring their respective ID cards, household registration books and loan contracts to the counter of the bank's business outlets.

It should be noted that the pricing benchmark can only be converted once, and cannot be converted again after conversion. Generally, it will take effect immediately after conversion.

Points for attention in lpr conversion of extended data:

1, lpr conversion interest rate adjustment date, you can choose 65438+ 10/month 1 live loan release date every year to adjust on the corresponding date every year.

2. Users need to note that if there are multiple borrowers, such as husband and wife buying houses together, they need to handle the conversion and the options are the same before they can complete it.

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, and now there are only 2 years left. When converting, you should also refer to the LPR with a term of more than 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.

5. Users should note that the added value will not change with different banks, and all commercial banks are converted according to the unified rules determined by the People's Bank of China, so the calculated added value will not be different.