How to apply for conversion of industrial and commercial lpr?

1. How can industrial and commercial lpr apply for conversion?

1. Step 1: Open ICBC on your mobile phone and log in to your account.

2. Step 2: After entering the homepage of ICBC, click All.

3. Step 3: In all application interfaces, find the classification of deposits and loans, and click interest rate benchmark conversion.

4. After entering the fourth step, if you have a mortgage, you can convert it into LPR interest rate with one click.

Step 5, it should be noted that some loans cannot be converted into LPR interest rates. If you can't convert, you can contact ICBC customer service by phone.

2. When will the fixed interest rate of ICBC be adjusted?

The fixed interest rate of ICBC is adjusted once a year, usually in March 1.

3. How to calculate interest in case of interest rate adjustment after handling loans at ICBC?

When adjusting the loan interest rate, the adjustment date (or the implementation date of the new policy stipulated in relevant documents) shall be taken as the boundary, and the new loans issued after adjustment shall be implemented at the new interest rate; For loans issued before the full day (excluding), if the loan term is within 1 year (including), the original interest rate shall be implemented; If the loan term exceeds 1 year, the new interest rate will be implemented in the following year 1.

4. How to adjust the interest rate of ICBC?

ICBC's interest rate adjustment implements "floating income and expenditure", that is, under the premise of ensuring profits, it can effectively adjust interest rates according to customer conditions and market changes. At the same time, ICBC can also actively adjust interest rates through market behavior to obtain greater profits. For example, when customers have higher requirements for loans, ICBC can raise the loan interest rate; When the customer's requirements are low, the loan interest rate can be reduced. In addition, according to the market situation and customer demand, ICBC can carry out interest rate adjustment activities to promote preservation, loan and free promotion, so as to obtain greater profits.