How often does the mortgage lpr interest rate adjust?

The mortgage lpr interest rate is adjusted once a year, and the specific adjustment time depends on the pricing date, so when the lpr interest rate is adjusted, the mortgage lpr interest rate will not change immediately. Usually, the bank will give two repricing dates, one is 65438+ 10 1, and the other is the month to day corresponding to the loan date.

How to calculate the mortgage lpr interest rate?

The calculation formula of mortgage interest rate is: mortgage interest rate =LPR+ policy bonus+business bonus. Among them, the policy bonus means that on the basis of no speculation in housing, interest rates will generally rise, and the other two suites will also rise; The extra points for a firm mean that when signing a contract with an individual or enterprise, they are added according to their qualifications or mortgages. Therefore, for those who have signed the mortgage agreement, the LPR interest rate may change in the future, and the policy bonus and business bonus have been confirmed unchanged when signing the contract. Therefore, the future trend of LPR should be the key factor affecting the people who have signed the mortgage contract.

Is the mortgage interest rate lowered and is the loan also lowered?

The mortgage interest rate is lowered, and those who have already borrowed will not participate in the interest rate cut. Because the interest rate of your loan at that time was fixed within the fixed loan term, and the national standard interest rate was used. Unless the central bank's benchmark interest rate is lowered, the mortgage interest rate will be lowered, but the central bank's benchmark interest rate will generally not be lowered.

The latest news of mortgage interest rate reduction

Shanghai 1

The mortgage interest rates of many banks in Shanghai have been lowered, and the mortgage interest rates of the first and second suites of some banks have dropped from 9.5% and 5.7% to 4.95% and 5.65% respectively, further reducing the burden on buyers.

2. Guangzhou

Since March, the mortgage interest rate in Guangzhou has been generally lowered by 20 -30 basis points. At present, the first home loan interest rate is generally 5.4%, the second home loan interest rate is 5.6%, and the first home loan interest rate of some commercial banks can be as low as 5.2%-5.3%, and the second home loan interest rate is 5.4%-5.5%.

3. Nanjing

On March 22nd, the interest rate of second-hand housing loans in some banks in Nanjing dropped to 5.4%.

4. Shandong

Taian, Linyi, Yantai and other places in Shandong Province lowered the interest rate of the first suite to about 5%, and the interest rate of the second suite to about 5.3%.

5. Guangxi

On March 22nd, the self-discipline mechanism of market interest rate pricing in Guangxi Zhuang Autonomous Region held a meeting and agreed to reduce the down payment ratio of mortgage loans in some cities. After this adjustment, the minimum down payment ratio of the second suite in Nanning was adjusted from 40% to 30%, and the minimum down payment ratio of commercial loans for the first purchase of ordinary commercial housing in Beihai and Fangchenggang was adjusted from 25% to 20%, further lowering the threshold for residents to purchase houses and supporting the commercial housing market to better meet the reasonable housing needs of buyers.

6. Suzhou

Recently, Suzhou mortgage interest rate was lowered again, and local financial institutions such as Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China adjusted the original first home loan interest rate from 4.65% to 4.6%. However, the interest rate of LPR (loan market quotation rate) over five years is flat, and the two sets of outstanding interest rates remain above 5.2%.

7.hubei province

Some banks in Xiangyang and Shiyan, Hubei lowered the mortgage interest rate by 40BP to 45BP. After this adjustment, the mainstream interest rate of the first home loan in the two places has dropped below 5.3%.

8. Yangzhou

Recently, the mortgage interest rate in Yangzhou has been continuously lowered, and the interest rate of the first home loan of some banks has dropped below 5%.