I have to say that now the support of the real estate market is really effortless.
On the 25th of last month, major banks have uniformly adjusted the interest rate of stock mortgages, and basically adjusted to LPR-30bp.But after the adjustment, many people have doubts, why did not adjust their mortgage interest rates to 3.3%?
How did this 3.3%come from?This is because on October 21, the latest 5 -year LPR dropped to 3.6%. This number reduced 0.3%, not 3.3%.
After half a day, I learned that the original adjustment was a pricing method for mortgages.In addition to this pricing method, there is also a time point called the re -pricing date. This time is also important. It is related to re -adjusting the mortgage interest rate for you.
The re -pricing date of the previous housing loan contract will generally be the date of January 1st and the signing of the loan contract each year, and each re -pricing cycle is 1 year.I do n’t believe you go through the loan contract of your own mortgage. Many people have not paid much attention to this thing before.On this re -pricing date, the bank will adjust your mortgage interest rate according to the pricing method described above in the last 5 -year LPR in front of the pricing.
Obviously, the interest rate of this stock mortgage has not been directly adjusted to 3.3%. Your re -pricing date for your mortgage interest rate this year must be before October 21.Theoretically, you have to wait until next years re -pricing date to adjust the loan interest rate again.
But isnt it concerned about everyones mortgage problem now?So you have to release the adjustment cycle of this mortgage interest rate, that is, you can re -about the banks mortgage interest rate pricing date with the bank, and you can adjust the cycle of each adjustment.
On October 31, ICBC, Agricultural Bank, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank issued an announcement that it will start from November 1st.A new pricing mechanism has been implemented on the interest rate of commercial personal housing loans.From November, re -pricing the loan interest rate has been adjusted from the past 1 year to 3 or 6 months. Of course, you can continue to maintain for 1 year.
Later, some other commercial banks also issued relevant announcements one after another.I also personally tested to call the bank to consult the matter, and the bank said that it could be adjusted.Of course, the banks of the bank also emphasized that they can only be adjusted once in a loan cycle.
In view of this, how to choose?The most important thing is that everyone must have a prediction of the follow -up interest rate trend. If the subsequent interest rates are considered to decrease for a long time, you can consider shortening the re -pricing cycle, otherwise it will last more than 1 year.However, in terms of the entire loan cycle, the impact of irregularities is not particularly large.
