2022 mortgage does not need to choose LPR. When applying for a mortgage, the bank will ask the loan applicant to choose an interest rate method. If no selection is made, it will be set to LPR by default. If you don't choose LPR, you can also choose the method of fixed interest rate, which is not mandatory. From the perspective of loan types, if you choose a profitable residential loan, you need to implement the LPR plus floating interest rate method, and if you choose a personal provident fund loan, you need to implement the fixed interest rate method. Is it necessary to choose LPR for mortgage in 2022? Related content.

What factors will affect the loan?

1. The quality of personal credit report will directly affect the bank's review of loans: when a borrower applies for a housing loan, the bank will first check the borrower's personal credit report. If the report shows that there are three or six overdue loans in recent years, most borrowers' housing loan applications will fail;

2. Minors can't apply for bank loans: when banks approve loans, they stipulate that borrowers are between the ages of 18-65, of which 25-40 is the most popular group, followed by 18-25 and people over 40-50;

3. The repayment ability mainly depends on the borrower's salary income: if the borrower's income and work are unstable, it will affect the approval process of housing loans. In the examination and approval of housing loans, the popular occupations are national civil servants, teachers, doctors, lawyers and certified public accountants, and the fields with strong core competitiveness are also very popular. For example, in the field of financial power supply system, the higher the education, the easier it is to apply for bank housing loans;

4. Some houses can't apply for loans: for example, small property houses, only small property house sales contracts, no property certificates, and real estate registration units don't recognize them. Once it comes to policy development land, banks are likely to make no money. Therefore, banks do not provide loans for such properties.

Mortgage interest rate concession law

1, excellent personal credit record;

2. Try to prove personal repayment ability;

3. Buy bank investment and wealth management products;

4. Members of loan banks.

This article is mainly about whether the mortgage loan must choose LPR in 2022. Relevant knowledge points are for reference only.