How to operate the pricing conversion of the loan I handled in Minsheng Bank?

You can log in to Minsheng Bank for self-service conversion of mobile banking, and you need to complete electronic channel identity authentication and password verification. You can also contact the loan handling bank of Minsheng Bank for offline conversion, and you need to bring your original valid ID card. The mobile banking process is as follows:

1. When you receive a short message from our bank inviting you to switch, and log in to mobile banking for the first time, an interface will pop up to prompt you to switch pricing.

2. You can click "Go to handle" in the pop-up window, or enter the "LPR interest rate conversion" page in the loan interface for pricing conversion.

3. You can choose to switch to LPR floating interest rate mode or fixed interest rate mode.

4. If you choose to switch to the fixed interest rate mode, you can directly enter the pricing confirmation and contract signing. If you choose the LPR floating interest rate mode, you need to select the repricing date. You can query the pricing elements to be converted, and initiate confirmation and signature after verification.

5. You enter the transaction password and SMS verification code, and complete the LPR conversion and submit it after confirming your identity. If you don't have a borrower, the LPR pricing conversion has been completed in this step. If you have a personal relationship with the borrower, you need to log in to the mobile banking with the borrower, click "Cancel Confirmation" in the reminder task in the "Loan" interface, and then complete the LPR pricing conversion. Tips:

※ If you have multiple stock floating rate loan plans in our bank to switch the pricing benchmark mode, you need to switch one by one.

* * * If the borrower does not have our bank card, it is necessary to open our bank card and register for mobile banking for confirmation, and it is also possible to open a second-class direct banking account. ※.

At present, once the borrower confirms the submission, it can't modify the information, and the main borrower can't cancel and modify the operation. In the confirmation interface, there is a prompt for the customer, and there is only one LPR conversion opportunity. Please confirm again. ※. Moreover, the contract is generated in the secondary confirmation interface and cannot be revoked or modified later.

In mid-July, 2020, our bank will uniformly convert the pricing benchmark of your personal commercial housing mortgage loan and small and micro enterprise loan with floating interest rates within the conversion range but not yet converted into LPR. Among them, the re-pricing date of individual commercial housing mortgage loan is 1 month 1 day by default. ※: The repricing date of loans for small and micro enterprises is calculated on the basis of the loan issuance date, and the repricing period is 12 months.

Before the implementation of batch default conversion, the Bank will send conversion messages to all retail customers who meet the scope of batch default conversion, informing LPR of batch conversion and conducting unified conversion. If you have any objection to batch conversion, please contact the loan handling bank for offline processing. ※.