Zhongxin Jingwei November 1 (Wei Wei) "In the morning, the re -pricing cycle has been changed to 3 months." On November 1, Mr. Zhao, who lives in Tianjin, told Zhongxin Jingwei,He applied for adjusting the redo -price cycle on the Bank of China mobile app.
On October 31st, many banks issued an announcement on improving the pricing mechanism of personal housing loan interest rates.
In the dynamic adjustment mechanism of the stock loan interest rate this time, the most watched part is to cancel the restriction of the regattting cycle of the mortgage interest rate as one year.Adjust the re -pricing cycle.How to do it?
"Use the latest interest rate in the early half of the year"
The redirection date is July 7 each year.
In 2020, when he loaned at Bank of China, the loan interest rate was LPR+60bp.At that time, the LPR of more than 5 years was 4.65%, and its mortgage interest rate was 5.25%.In 2023, after the adjustment of the interest rate of the first stock mortgage, his loan interest rate was reduced to LPR (the LPR of more than 5 years at the time was 4.20%).
In February this year, the LPR of more than 5 years dropped to 3.95%.Therefore, on July 7, his mortgage interest rate was also adjusted to 3.95%.On October 25, after the second stock mortgage interest rate was adjusted, his mortgage interest rate dropped to LPR-30bp, which was 3.65%.
and July 22 and October 21 this year, LPRs above 5 years have reduced 10bp and 25bp, respectively, and the latest offer is 3.60%.Originally, his mortgage interest rate would not drop to 3.30%on July 7, 2025.After the adjustment cycle was adjusted this time, his next redirection date became January 7, 2025."Can use the latest mortgage interest rates as early as half a year." Mr. Zhao said.
Take Mr. Zhao as an example. After adjustment, his redirect price date is July 7, October 7, January 7, and April 7, respectively.
Mr. Zhao said that after the application adjustment, his mobile app showed that "it has been accepted, and the final result is subject to approval."
Source: The respondent provided
On the social platform, some netizens said, "Early in the morning, the re -pricing cycle was adjusted to 3 months. "Some netizens said that he was a mortgage of the Bank of Communications and applied for the" second batch "after the re -pricing cycle."Why cant my mortgage be adjusted?"
Although some netizens have applied successfully,However, some netizens have found that there are no options for adjusting the price cycle adjustment on their own loan banks mobile app.What is the reason?
This may be related to the two situations. First, for the existing mortgage of fixed or benchmark interest rates, you need to apply to the bank to a floating interest rate first.The additional value is equal to the difference between the original contract interest rate level and the corresponding time limit LPR in the last month, and then adjust the interest rate increase or redo -price cycle according to the current rules.
The second is related to the adjustment rhythm of each bank.According to the announcement of various banks, the time of the six major bank applied for the adjustment of the redo -price cycle is not later than November 15th. The Bank of China began to be accepted as early as November 1st. The borrower can handle it through channels such as the banks mobile banking.
Zhongxin Jingwei sorted out some of the bank application adjustment time and channels that have been announced:
From the announcement, at present, the bank provides three redo -prices cycles: 3 months, 6 months, and 12 months. The borrower can choose one of them.It should be noted that the borrower can apply for a change of the re -pricing cycle from the bank, but only the application can only be adjusted once during the existence period of the same loan, and no multiple adjustments shall be made.
How to determine the redirect price date?
According to the relevant answers from the Agricultural Bank, After adjusting the redo -pricing cycle, the redirect price can follow the date in the original loan contract.
Specifies can be divided into two cases: First, the original loan contract is agreed to be on the month and the day.On the day of the loan issuance date, if there is no loan issuance date during the re -pricing cycle, the re -pricing date of this cycle is the last day of the corresponding month. The second is that the original loan contract is agreed on January 1. The redirect price date is the post -adjustment period of the post -adjustment period.For redo -price day.
For example: the pricing cycle of Xiao Lis original loan loan is 12 months, and the redemption date is November 8.On December 5, 2024, the application for adjusting the re -pricing cycle was adjusted to three months, and the adjustment price after the adjustment was February 8, May 8, August 8, November 8.
Little Wangs original mortgage loan redevelopment cycle is 12 months, and the redemption price is March 31.On December 10, 2024, the application was adjusted to 6 months, and the adjustment price after the adjustment was March 31 and September 30.
Xiao Zhangs original mortgage loan redevelopment cycle is 12 months, the redirect price date is January 1st each year, and the borrowing date is November 25.On December 9, 2024, the application for adjusting the re -pricing cycle to three months, the adjustment price after the adjustment is January 1, April 1, July 1, and October 1.For example, Xiao Zhang chose to set the daily schedule of the re -pricing date as the date pair on the loan issuance, the adjustment price date after the adjustment is February 25, May 25, August 25, November 25.
Is the redirection cycle shorter and more appropriate?
"The redirect price cycle is neither the shorter, the better nor the better, the main consideration should be the market interest rate trend."In an interview with Zhongxin Jingwei.
Dong Ximiao further explained that if the interest rate is in a downward trend, the redirect price cycle is short, the interest rate decline can be reflected faster, resulting in a faster decrease in the actual interest rate of loans.The pricing cycle is short, and the rise in interest rates will also be more reflected, resulting in a faster increase in actual interest rates.
Dong Ximiao pointed out that the borrower should study the interest rate trend and choose the re -pricing cycle.At present, market interest rates may have room for decline, and borrowers can choose a shorter redirection cycle as needed.
Why did not provide a monthly adjustment option?Dong Ximiao pointed out that the loan market quotation interest rate (LPR) does not change every month. It is appropriate to take the shortest price cycle with the shortest three months, and it is not necessary to use 1 month as a redirect price cycle.
(For more report clues, please contact Wei Wei, the author of this article: [email protected]) (Zhongxin Jingwei APP)
(The point of view in the article is for reference only, does not constitute investment advice, investment is risky, and you need to be cautious to enter the market.)
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