How to confirm the lpr interest rate conversion of existing mortgage with the borrower? Look at the four laws.

Nowadays, many people borrow money to buy a house after marriage, or some single friends and family members borrow money to buy a house. When converting the low interest rate pricing benchmark of stock houses into lpr, many people think that only the main lender can convert it. In fact, this requires the secondary lender to confirm the conversion initiated by the primary lender. Here, let's take a look at the four major banks' lpr interest rate conversion and the borrower's confirmation method.

1, Industrial and Commercial Bank of China

ICBC lpr interest rate conversion, * * * The same borrower can only convert the pricing benchmark through ICBC mobile banking, and it must be confirmed before 24: 00 on the day when the main borrower initiates the change. If it is overtime, the main lender will initiate the change again.

* * * The same borrower now needs to register mobile banking with ICBC's mobile banking APP, and then log in-favorites-all-deposit and loan-interest rate benchmark conversion-one-click conversion.

2. Bank of China

The main borrower applies through the Bank's mobile banking, online banking and smart counter, and the borrower can confirm through any of the above channels within 7 natural days after the main borrower submits the interest rate conversion application. If the confirmation is not completed within 7 days, the application submitted by the main borrower is invalid and must be resubmitted.

If the main borrower applies on June 65438+1 October1day, the calculation will start from June 65438+1October 2, and all * * * borrowers need to be on June 65438+1October 8 at 24: 00 (inclusive).

3. Agricultural Bank of China

If there is a * * * * loan, all borrowers need to reach an agreement on the conversion. After the main borrower handles the conversion through ABC's handheld banking, online banking, counter and super counter, other borrowers handle the conversion through any channel (handheld banking and online banking can enter the loan pricing benchmark conversion column and click to sign the agreement), and the conversion processing time is 7: 00-2 1:.

When all * * * sign this supplementary clause with the borrower, the system will truly complete the loan interest rate conversion. After the conversion is successful, the main borrower can receive the news of successful signing.

4. China Construction Bank

If there are two or more borrowers in the original loan contract, the conversion can only be completed after all the borrowers agree and complete the formalities.

From March 1 2020, multiple borrowers of the original loan contract need to handle it through China Construction Bank's mobile banking and online banking (online banking customers) respectively. Depending on the epidemic situation, multiple borrowers of the original contract can bring their original valid identity documents to any intelligent teller machine (STM) in the business outlets of China Construction Bank, or they can go to the business outlets and the counters of personal loan centers together.