Mobile phone operation of mortgage interest rate conversion in China Construction Bank

China Construction Bank's mobile phone operation of mortgage interest rate conversion logs into China Construction Bank's mobile phone bank. Click Loan, Mortgage Interest Rate Conversion, Apply for Adjustment, Select Adjustment and Adjust Now in turn, and enter the verification information. When the loan conditions become "confirmed", it means that the conversion of the loan interest rate has been completed. The business processes of other banks' mobile apps are basically the same, so you can refer to the business model of CCB.

if it is a joint loan, the principal lender or the joint lender will convert the benchmark according to the above procedures. After confirmation, the system will notify others to confirm, and other lenders can log in to the bank for re-verification through their own identities.

LPR is jointly formulated by 18 banks, except for a maximum and a minimum, and then added again on the 2th of each month. If the market is short of funds, the interest rate will rise, and on the contrary, it will fall. According to national regulations, before the end of August 22, all loans should be made at fixed interest rate and LPR floating interest rate.

No one knows how much LPR will change in the future. By comparing your loan interest rate, you can know that this is a good deal. You can only wait for ten or twenty years, and then pay off the loan, and then measure it with the current changes in interest rates and exchange rates, and then make a comparison to see which is better. So, at this time, you have to make a decision, and no one knows who is better.

from another perspective, this is a national LPR conversion policy. Throughout the history of mankind, no matter at home or abroad, for thousands of years, the policies of any country will benefit some people and make some people lose some benefits. Although the country's tax relief policy is very good, some people's interests are also damaged. The change of mortgage interest rate, as stipulated by the state, requires all borrowers to convert into LPR, so after the conversion, some people will definitely want to profit from it, but similarly, some people will lose money after the conversion.

Banks are the lifeblood of the country, and they can't lose anything. If the interest rate conversion of LPR will make banks lose most of their profits, then this policy can't be implemented. Of course, major banks will keep their interest rate income at roughly the same level. Therefore, the end result is that all lenders will choose low interest rates, while some people will choose higher interest rates.

The above is the main content of the mobile phone operation of the mortgage interest rate conversion of China Construction Bank. I believe everyone has some understanding of these contents, and I hope this article can give you some help.