1, what is LPR pricing? Now the mortgage interest is basically fixed, that is, you have to pay a fixed amount of money every month. This money is a dead number and no one can change it. The pricing of LPR is different. Now banks find that LPR pricing can better feed back the market, so they decide to use LPR pricing instead of fixed interest rate. With the change of LPR, the interest paid by people will fluctuate to some extent. From the bank's point of view, this thing is good for both borrowers and lenders. And judging from the current situation, it is indeed possible to pay less. However, the current situation is affected by the epidemic, and no one can be sure about the future changes.
2. Is 2.LPR cost-effective? But this thing is like a fund. If it goes up, it will earn, and if it goes down, it will lose. On the other hand, LPR is just the opposite. If it goes up, it will lose money, and if it goes down, it will cost less. However, the fluctuation of LPR is not determined by individuals. As for whether it is cost-effective, it mainly depends on the changes in the market. As for whether to replace it or not, it depends on your own judgment on the market. If you think it is necessary to change it, just change it by default. If you think LPR will rise sharply in the future, you should contact the bank manager to cancel the default change and replace it with the original fixed interest.
3. It has no influence on most people. This thing seems to have a great influence, but it is not so exaggerated. A large number of people in China can't afford to buy a house and won't buy one. For those who buy a house in the future, the rules are dead, and you can't change them at all. LPR is not fixed, you can only decide whether to change it according to your own judgment.