LPR double drops of 1 year and 5 years, one million house loan per month may be 83 yuan

Compared with the previous LPR offer, the 1 -year LPR and LPR more than 5 -year LPR have been lowered, respectively, respectively 5 basis points and 15 basis points. Earlier, on May 20, the 5 -year LPR ushered in the maximum decline, and the 5 -year LPR downgraded 15 basis points in the 5th year to 4.45%; the 1 -year LPR was flat with the previous month's quotation at 3.70%.

What does the LPR speculation mean for Beijing home buyers? The reporter learned that the current mortgage interest rate of the Bank of Beijing's Bank is the first set of housing loan interest rates plus 55 basis points, and the two -set commercial loan plus 105 basis points. After this adjustment, Beijing's first personal housing loan interest rate was 4.85%, and the two sets of mortgages were 5.35%. Based on a citizen as the first home loan of 1 million yuan and 20 years of calculation, the monthly repayment amount is about 6,516 yuan, which is 83 yuan less than 6599 yuan a month before the adjustment.

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Tip: For those who have already mortgages, they need to consider the re -pricing cycle and redo -price date. The monthly supply of the monthly monthly supply is changed. Most banks have been adjusted in January in the new year. Assume that the redemption cycle agreed by the buyer and the bank is 1 year, and the redirect price date is January 1st each year. The 5 -year LPR downgrade this month will not affect the amount of mortgage repayment this month. On the 1st, that is, the re -pricing date agreed with the bank, the 5 -year LPR can still remain at 4.3%, then the home loan interest rate of the buyer will automatically drop by 15 basis points. In January 2023, many people's mortgages will usher in a new round of adjustment cycle.