How to operate mortgage to lpr?

The method and specific operation steps of transferring collateral to LPR are as follows:

1. Mobile Banking: Customers can change the pricing benchmark after online self-registration of mobile banking in the loan bank. Mobile banking processing path: download loan bank APP- login/registration-all-deposit and loan-interest rate benchmark conversion-one-click conversion.

2. Intelligent teller machine: customers need to bring their ID cards to the loan bank outlets to handle transactions through intelligent teller machines. If you have any questions in the process, please consult the customer service manager of the outlet. Intelligent teller machine processing path: intelligent teller machine-loan-interest rate benchmark conversion-identity authentication-one-click conversion.

3. SMS Banking: If the customer is the same borrower in the loan contract and has reserved a trusted mobile phone number in the bank, after the main borrower initiates the pricing benchmark conversion, the customer will receive a short message confirming the pricing benchmark conversion sent by the loan bank, and the customer can complete the confirmation of the pricing benchmark change by directly replying to the short message.

4. Loan service bank: If customers are not used to using the self-service channel, they can make an appointment at any nearby loan service bank without going to the original loan handling bank. When handling, the main borrower and all * * * must walk with the borrower with their ID cards. If the loan is handled with a household registration book and other documents, you need to carry it with you.

According to Announcement [20 19] No.30 of the People's Bank of China issued by the central bank:

Floating rate loans (excluding provident fund personal housing loans) issued by financial institutions before June 65438+1 October12020 and signed but not issued with reference to the benchmark loan interest rate. Since June 5438+ 10/day, 2020, financial institutions are not allowed to sign floating interest rate loan contracts with reference to the benchmark loan interest rate.

The pricing benchmark of floating rate loans is converted into LPR. Except for commercial personal housing loans, the value-added amount shall be determined by both borrowers and borrowers through consultation. The value-added of commercial personal housing loans should be equal to the difference between the latest interest rate of the original contract and the corresponding term LPR issued in February 20 19. From the conversion point to the first re-pricing date after that point (excluding), the execution interest rate level shall be equal to the latest execution interest rate level of the original contract, that is, the sum of LPR and value-added during the corresponding period of 20 19.