This depends on your personal situation to choose. The full name of LPR in Chinese is LPR, also known as the quoted interest rate in the loan market. This conversion is aimed at converting existing loans. At present, the interest rate of LPR is lower than that of 2065438+February 20, 2009. Therefore, for the borrower, it is expected that the lender's loan interest rate will be reduced by the next repricing date. Of course, the future trend of LPR needs customers to judge by themselves in combination with the market. There are two options:

1, converted into floating interest rate in the form of LPR plus points: the future loan interest rate is LPR+ floating interest rate (which may fluctuate or decrease), so you can enjoy the benefits brought by the downward movement of LPR; Shortcomings lead to an upward interest rate, which means that it may bear a greater interest burden than in the past;

2. Convert to fixed interest rate: maintain the existing base interest rate+floating interest rate (equal to the current execution interest rate level of the original contract), and you will not convert whether your interest rate is high or low before the loan is paid off; The disadvantage is that there is no way to enjoy the benefits brought by LPR downlink.

Tip: Announcement No.30 of the People's Bank of China [20 19] on February 28th, 20th 1 9: From March1day to August 3rd1day, 2020, financial institutions should negotiate with floating rate loan customers on the conversion terms of the pricing benchmark and execute the original contract. It can also be converted into a fixed interest rate. Pricing benchmark can only be converted once, and cannot be converted again after conversion. The floating interest rate loan of inventory in the last repricing cycle shall not be converted.

Reply time: September 9, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.

[Ping An Car Owner Loan] You can get a loan if you have a car, up to 500,000.

/station/activity/loan/QR-Carlo an/loan trust . html？ source=sa0000632&。 outerSource=bdzdhhr_zscd&。 outerid=ou0000250&。 cid = bdzdhhr _ zscd & ampdownapp_id=AM00 1000065