However, there is no difference between the two methods. If LPR pricing is expected to go down, "LPR+ integral floating" is cost-effective; If LPR pricing is expected to rise, fixed interest rate is cost-effective. Up to now, LPR quotation has been implemented five times, and LPR has only dropped by 1 time in five years, with a decrease of 5 basis points.
The difference between the two schemes:
1. Select a fixed interest rate, that is, the mortgage interest rate will remain unchanged during the remaining term of the contract. The reporter consulted a number of banks and learned that in order to make a smooth transition, the previous interest rate level will be continued during the conversion period. Suppose the user used to enjoy a 10% discount, the interest rate is: the benchmark interest rate is 4.9%×0.9=4.4 1%, and the new contract can be agreed as 4.4 1%.
2. If you choose to contact LPR, you will face future interest rate fluctuations. The bank said that the interest rate at the time of conversion remained unchanged, but what changed was the calculation logic behind it. Taking the existing loan interest rate of 4.4 1% as an example, the interest rate previously obtained by users depends on whether the benchmark interest rate of the central bank has changed.
After the conversion, according to the LPR quotation, the calculation logic is changed to LPR+(-) fixed spread. In this example, the fixed spread is 0.39%, which is based on the LPR quotation of 4.8%- the current interest rate set by the central bank of China of 4.4 1%.
Extended data:
People who can re-sign the mortgage interest rate:
According to the announcement of the central bank, convertible loans must meet several elements at the same time: first, loans issued before June 65438+ 10/2020, or loans signed but not issued; Second, the reference loan benchmark interest rate pricing; The third is floating interest rates.
It should be noted that provident fund personal housing loans are not included. If it is a mixture of commercial loans and provident fund loans, only commercial loans will be transferred, and the provident fund loans will still be executed according to the original contract.
Qualified "mortgage owners" can have two choices: fixed interest rate or adjustment of LPR. In other words, the original contract pricing based on "central bank benchmark interest rate" can be converted into fixed interest rate or LPR. Among them, if you choose to link LPR, the future mortgage interest rate will fluctuate according to the LPR interest rate quotation.
The conversion time will start from March 2020 1 and be completed before August 3, 20201in principle. For the loan of the same borrower, it is necessary to confirm the change of pricing benchmark. The borrower has only one choice, and it cannot be converted again after conversion.
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