TTNEWS
  • entertainment
  • Sport
  • Finance
  • tec
  • Travel
  • military
  • Parenting
  • fashion
  • game
  • history
  1. home
  2. finance

"It changed to 3 months in the morning", the shorter the re -pricing cycle of the stock mortgage, the better?

2024-11-03 18:38:24

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.)

China Sino -Singapore Copyright copyright, ChinaWithout written authorization, no unit or individual shall be reproduced, extract or use in other ways.

Editor in charge: Chang Tao Li Zhongyuan

Popular information
  • Small!No right?On Wednesday (November 13) A shares will usher in salvation | 2024-11-13 00:39:15
  • What is the impact of the "New Tax Deal" in the property market?Latest interpretation | 2024-11-14 08:08:32
  • Si Lian Ban Daniu stocks, the price -earnings ratio is as high as 239 times!Who is buying? | 2024-11-14 08:08:35
  • Economy, finally to bottom out? | 2024-11-14 08:16:18
  • It lasted more than a thousand days!The Bank of Xinjiang was fined a director who was dissatisfied with "sitting", and the court was sentenced to two cases after the supervision department. | 2024-11-14 08:16:22
  • Soaring 54%!New energy, there is a good favorable! | 2024-11-14 08:16:26
  • Bitcoin a record history | 2024-11-14 08:16:29
  • Differentiated!The popular track "Binghuo Two Heavens" | 2024-11-14 08:16:34
  • GAC Group withdraws from BYD joint venture new energy bus company | 2024-11-14 08:37:07
  • Baoli International: The change of control rights will be opened 22.57%of the shares to be transferred | 2024-11-14 08:37:44
  • A shares are going to suffer!1.8 trillion funds trembling | 2024-11-14 08:45:06
  • Relying on Huawei to ask the world to change his life!Chairman Selis: I am afraid when I build a car with Dongfeng | 2024-11-14 08:47:41
  • Guangyunda: The business of Naval Aerospace includes CNC processed aviation parts, additive manufacturing (3D printing) aviation parts, aviation catheter | 2024-11-14 08:49:17
  • Hangzhou Steel Structure (600477) on November 13, the main funds sold 27.603 million yuan | 2024-11-14 08:52:05
  • Jin Hong Gas received financing of 21 million yuan, and bought a total of 86 million yuan in the past three days | 2024-11-14 08:52:08
  • "Black Swan" officially landed!On November 14th, the three major news in the morning this morning came out! | 2024-11-14 08:57:03
  • The "nuclear explosion" level of the property market is good!The transaction tax has been adjusted heavy, and the real estate will welcome the golden age? | 2024-11-14 08:57:06
  • Compared with reducing stamp duty!On November 14, can the A -share market continue to "attack"? | 2024-11-14 08:57:10
  • Rest reduction, the deposit interest rate is reduced again!On November 14, the four major news today continued to ferment! | 2024-11-14 08:57:21
  • "Golden Lord" Paulson announced that he will not be the US Treasury Secretary | 2024-11-14 08:57:35
  • Trump, the latest decision!American inflation suddenly accelerates!The US dollar soared, this section is under pressure!Putin and Saudi Crown Prince Call | 2024-11-14 09:05:05
  • Faraday will appoint Ma Xiao to report to Jia Yueting directly to Jia Yueting for FX Global CEO | 2024-11-14 09:05:08
  • The maximum drop is 21.07%. | 2024-11-14 09:10:21
  • Fortune 500: 142 first -tier cities, 20 in Hangzhou, Wuxi and Ningbo | 2024-11-14 09:19:32
  • The fans on the entire network exceeded 100 million, and "Li Ziyi" stopped to come back in 3 years. How much value is there? | 2024-11-14 09:25:47
  • The Chinese stock market boss vomits the truth: It is very simple to make money in stock trading, and continue to make profit in the most stupid way | 2024-11-14 09:25:53
  • The RMB exchange rate has depreciated sharply!Will A shares continue to attack on November 14? | 2024-11-14 09:25:57
  • Vietnam has a good calculation! For China Electricity, and Chinese technology, in the end to please the United States? | 2024-11-14 09:35:36
  • Pu Nai: The Ukrainian market business has gradually recovered to about 45%before the war | 2024-11-14 09:48:30
  • Compared with reducing stamp duty!The three major news this morning was officially fermented (11.14)! | 2024-11-14 10:12:55
Latest
Happy Bao | Dream of Dream Medicine Bloom -Graduate Students from our hospital won the second prize of the Capital Medical University 2024 Speech Contest Personal evaluation of the 30 -year history of the best lineup of Ma Lai can barely enter the bench The domestic "three major airlines" C919 aircraft gathered in Chengdu!Practicing flying and going north Shangguang Parents do this to break the "only performance theory", and each child can bloom unique light She, sent a letterless letter to the moon Old cup bonus super lpl champion!Attract the old We Korean aid: I want to support the championship, I want to raise children In 2025, the statutory holidays have been added for 2 days. What is the true attitude of tourism practitioners? What does the PPT look like by Lin updated?After reading it, I was cried by ugliness Beiqing: After the National Football Team Barin will return to Xiamen for the afternoon of the 15th, the 15th day of the 15th National Football Team VS Balling 23 people List exposure: Xie Wen can suspend the race!Fourth goalkeeper+flying wing failure selection The best element of the Super League announced, Wei Shihao missed, 4 people in Shanghai, Luneng 2, Wu Xi was surprised Ding Yongxun fell in love with Zhao Xuehua at first sight and loved each other for 37 years. Now the 36 -year -old son makes him worry Ye Ke has not seen Huang Xiaoming in the checkup. Paparas have been exposed to 5 months of pregnancy. The 24 -year -old Fan Ye compared the 28 -year -old Shi Yunpeng. Aspen: Mbappe has been silent after joining Real Madrid for 4 months. Only 2 interviews have been accepted in 4 months Chen Meng withdrew!Instead, Sun Yingsha was forced to have both and gave birth to 2 questions. What did Ma Lin think? It is the lowest -key county in Shanxi, with world -class famous mountains, but few people know the county name! Ye Ke promised to return the net to cancel the account again as a demon again!Huang Xiaoming is lazy, Ye Ke is alone for pregnancy! Big!Blast Yang Zi accompanied by sleeping: evidence has been obtained, involved in many popular actresses, more synthetic streams out "The Lane Family" Zhuang rushed to drive away his parents and forced Pengfei to buy a house. Only then did you know that Zhuang Chaoying was very lucky Wang Xiaofei hit Big S: A wedding with Ma Xiaomei will be re -wedd, Ma Xiaomei threw out propositions Who is the most runner -up in the World Cup?The Dutch Three Entry Finals are defeated, Argentina is tied, and the other team is the most The Clippers regretted, Harden 19+6+7, after the game, Harden walked towards the Rockets bench, hugged Ethan to pay attention to Rockets 111-103 Clippers!Player scores are released: 4 people are full, 3 people pass, 2 people pull their hips! No accident, this will become the main framework of Amurin Manchester United! Choose a rational student in kindergarten?Can "Run Run" Education really win on the starting line? British PS5 Pro price or permanent drop: the largest retail sales leading price reduction The 19 -day box office broke through 3.3 billion and won the global championship. The strongest movie this year was born. Daolang: The Macau concert is well received, and I won the two former CCTV host of Zhao Pu Li Xiaomeng. 2024 Inner Entertainment is to be exploded, only one year, the gap is obvious Lei Jun is jealous. Xiaomi SU7 has 100,000 offline and 100,000 orders. Guangzhou house tickets can buy new houses in the city!Expert: It is necessary to make the demolished households realized that in the past It is said that the Chery FR Division was established, and the headquarters is located in Shanghai Win 20 points!Du Feng won the first victory, and the new aid 23 points hit a new high. The chef should describe the job from the teachers and students and parents, and the supplier will not run away. Thirty points defeated, the CBA Journey really walked over?The three major foreign aids in Zhejiang broke out, and genius teenagers burst and burst The transformation of Jinji Co., Ltd. suffered a decline of 922 million large orders to terminate the operating pressure of 8.82 million yuan in the first three quarters. 4 games 0 goals!The number of shooters is lost, Alda is deeply trapped in the mud, and the situation of winning the championship deteriorates Crown: 0 to 4!The fatigue is shown. In the first round, Trump took Ding Junhui lightly Korean dramas have evolved to the male lead, no male lead is required The performance benchmark covers the global stock market and gold, and the world is actively configured with FOF to open the closed period CITIC Securities A shares increased by 60% of Yuexiu Capital to reduce holdings by 1% or cash out 5 billion yuan Academician Qian Qihu: The domestic shield is going to the world. I hope that the younger generation of "Chinese tunnelers" will create further glory The whole Chinese class rushes for another year!BLG is highly likely to renew the contract, ELK renewal conditions are only one The husband takes the child to buy milk powder to bring it back to the PS5 Pro, his wife asked the Internet online, and the merchant sent God to assist The most surprising seven players?Downs first!Hilde, three goals on the list! Shenzhen Chuanyin Communications under Chuanyin was awarded the title of new "Little Giant" enterprise in the national specialized specialty The stock price of the market fell by 6.43%in the afternoon of US $ 13.37 in the US real estate investment Sure enough!6 major foreign aid blessings, old acquaintances return, Zhou Peng will lead the Shenzhen team to take off The Egyptian Museum opened the night exhibition tourists with close contact with Pharaoh

©2024 ttnews All rights reserved

Privacy Policy | Service Terms | contact us