Can I apply for adjusting the mortgage interest rate during the epidemic?

Hello, you can apply for adjustment during the epidemic. As long as users meet the adjustment conditions, they can switch between LPR and fixed interest rate. After the implementation of LPR interest rate, the mortgage may increase or decrease, depending on the adjustment range of LPR interest rate.

1, the original interest rate setting method: that is, major banks float according to the benchmark interest rate, and such pricing is not directly linked to the market-oriented interest rate.

Loan pricing = official benchmark interest rate *( 1+ fluctuation multiple).

2.LPR interest rate setting method: 65,438+08 banks quote to the National Interbank Funding Center by adding convenient medium-term lending rates.

LPR= average (MLF+ 18 points of banks? );

Loan pricing =LPR*( 1+ fluctuation multiple).