Is the mortgage base point fixed?
1 For those who have signed the loan contract, the mortgage basis point is fixed.
For example, the user signed a loan contract, using the floating interest rate of commercial loans, that is, the mortgage interest rate consists of LPR interest rate+basis point, of which the basis point is 0.05%, LPR interest rate is 4.2%, and mortgage interest rate is 4.25%. Since then, the LPR interest rate has changed from 4.2% to 4. 1%, and the mortgage interest rate has changed to 4.6544.
For those who have never signed a loan contract, the basic point has changed, but this change is affected by many factors.
Generally speaking, the mortgage base point is determined by the bank according to several factors such as everyone's credit qualification, local house purchase policy and local market conditions. For example, the amount of mortgage loans in some areas is relatively tight. In this case, the bank may add more basis points on the basis of LPR.
Is the mortgage base plus all banks the same?
Not necessarily. The mortgage base point is not uniform and fixed, it is influenced by the policy, but not by its single influence. In addition, different banks have different policies, and the basic points may be different for different groups of people, depending on the regulations of the handling bank.
The above are some contents of the mortgage base point, so you can pay attention to it.