Minsheng bank stock house loan interest rate

The floating rate of the loan interest rate on the loan market quotation (LPR) shall not be lower than the lower limit of the first home loan interest rate policy when the original loan is issued.

According to the inquiry of China Minsheng Bank, Minsheng Bank has issued an announcement on adjusting the interest rate of the first home loan. Details are as follows:

Scope of adjustment: the first commercial personal housing loan issued by Minsheng Bank before August 3, 2023, which has been signed but not issued, or other commercial personal housing loans whose actual housing situation meets the first housing standard of this city, that is, the "two-to-one" stock mortgage.

Adjustment rules: after this adjustment, the floating rate of the interest rate of the first housing commercial loan in the loan market quotation (LPR) shall not be lower than the lower limit of the interest rate policy of the first housing loan in the city where the house is located when the original loan is issued (according to the term of the original loan contract).

Adjustment method and time schedule: Minsheng Bank mainly adjusts by changing the interest rate agreed in the contract. Some customers do not need to submit applications, and Minsheng Bank will take the initiative to adjust in batches. Other customers can apply for adjustment through online or offline channels.

Service notice and objection handling method: After the adjustment of the existing mortgage interest rate is completed, Minsheng Bank will inform the customer of the adjustment result through SMS, and the customer can inquire about the specific adjustment result through channels such as mobile banking. If the customer has any objection to the adjustment items or results, he can contact the loan handling bank or the account manager for verification and handling.