How to operate the LPR conversion of Bank of Beijing?

For the majority of mortgage borrowers, the news that banks convert LPR in batches is an extremely important life choice. Do you want to change it? How to turn? It still confuses many people. Today, I will teach you how to operate the LPR conversion steps of Bank of Beijing.

How to operate the LPR conversion of Bank of Beijing?

1 You can register/log in to Bank of Beijing, Mobile Banking and Cai Jing Life Insurance and click to enter the loan;

2 Click on my loan in the upper right corner to enter the loan details;

3. Click on the LPR interest rate conversion of the corresponding loan;

4. Read the notice and click OK to convert;

5. Select the transformation element through the drop-down menu;

6. The system generates a conversion protocol according to the customer's choice;

7. Click I have read and agreed to the above terms, and the interface of successful submission will appear;

8. After the conversion application is submitted successfully, the loan status changes;

After the conversion is successful, you can click to view the conversion agreement and receive a short message prompt.

In principle, LPR conversion should be completed before August 3 1, but loans that have been signed but not issued before August 65438+1 October1in 2020 can be converted by themselves through online channels after the loans are issued. If there is a problem with mobile banking in the process of handling, you can also go offline to the original loan business agency for on-site handling; Individual commercial loan users can contact the account manager and apply for offline channels to sign conversion agreements.

Why do you want to transfer to LPR?

If you have a fixed interest rate loan for 20 years, the interest rate for these 20 years will remain unchanged; However, LPR has a high degree of marketization, closely follows the changes in market supply and demand, and is convenient for the state to regulate the real estate market, so it will be adjusted at least once a year. Judging from the global low interest rate environment, China's mortgage interest rate will continue to decline in the big cycle.