After the central bank cut interest rates, borrowers are very concerned about the adjustment of loan interest rates. It is understood that after the People's Bank of China adjusts the loan interest rate, China Merchants Bank will adjust it according to the interest rate adjustment method agreed when you apply for a loan. Then, what are the common loan interest rate adjustment methods of China Merchants Bank?

At present, the common ways to adjust the loan interest rate of China Merchants Bank are "secondary adjustment", "fixed day adjustment" and "corresponding day adjustment in the following year". For the specific adjustment method of your loan interest rate, you can check the loan contract or dial 95555-2- 1-4 to enter the loan manual inquiry.

"Adjustment by stages" means that when a new interest rate appears, the interest is still calculated at the original interest rate in the current period. Starting from the next period, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next period;

Example: customers pay the same amount of commercial mortgage, deducting the monthly payment on the 25th of each month. The interest rate will be adjusted in the next period. 1adjusted the benchmark interest rate of 20 1 165438 on October 22nd, so the monthly payment of the customer1October 25th remained unchanged, 20 165438.

"Fixed-day adjustment" method, 65438+ 10/month 1 day is adjusted uniformly according to the listing interest rate of that day. The part before 65438+ 10 1 still uses the old interest rate. After 65438+ 10/month 1, the new interest rate shall be implemented and the installment repayment amount shall be recalculated.

Example: customers pay the same amount of commercial mortgage, and the deduction will be made on the 25th of each month, and the adjustment will be made on a fixed day. 2014165438+122 October, the state adjusted the benchmark interest rate, so the monthly payments of customer125 October and 25 February remained unchanged, 206438+065438.

"Adjustment to the next year's date" means that when the benchmark interest rate of the People's Bank of China changes, the latest benchmark interest rate will be implemented from the corresponding date of the next year's lending date (referring to the lending date), and interest will be calculated on a daily basis before and after the lending date.

Example: the customer repays the commercial mortgage in equal amount. The loan date of the customer is 65438+February 1, and the interest rate adjustment method is to adjust to Japan in the next year. The benchmark interest rate is 20165438+1October 22nd, which is adjusted by the state, so the customer is 2015 65438+2.

How to adjust the "loan interest rate"

1. There are two main grounds for interest rate adjustment during the loan period: 1, the interest rate adjustment decision issued by the People's Bank of China (the central bank); 2. Interest rate clauses in the contract. If it is a fixed interest rate, no matter how the central bank adjusts the interest rate, the loan interest rate with fixed interest rate will not be adjusted; If it is a floating interest rate, it shall be adjusted according to the adjustment time agreed in the contract and the interest rate adjusted by the central bank. Two. Interest calculation after interest rate adjustment: recalculate the remaining principal, remaining loan term and new interest rate in the previous period according to the adjustment time agreed in the contract.

How to adjust the bank mortgage interest rate?

It depends on the date of interest rate adjustment in the loan contract. Generally speaking, it is agreed to adjust the interest rate once a year, and the interest rate is adjusted once a year at 65438+1October 2 1. Even if we cut interest rates now, we will have to wait until next year, 1, 2 1.

Adjust the interest rate through application. The adjustment methods of mortgage interest rate application include:

1. is the newly adjusted interest rate of the loan interest rate at the beginning of the following year after the adjustment of the bank interest rate.

2. Annual adjustment, that is, every year of repayment, the new interest rate is adjusted and implemented.

3. Both parties agree that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

Legal analysis: Wait until the interest rate repricing date, and implement the new interest rate according to the new LPR.

Legal Basis: Ten Provisions of the People's Bank of China on Prohibiting Raising the Interest Rate of Deposits and Loans without authorization or in disguise Article 1 The interest rate approved and authorized by the People's Bank of China in the State Council is the legal interest rate and has legal effect, and no other unit or individual has the right to set or change it. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.

How to adjust the loan interest rate

There are three forms of loan interest rate adjustment:

First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this);

The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage);

Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans.

It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

How to adjust the interest rate after the personal loan of BOC is converted into LPR?

Interest rate adjustment after BOC changed to LPR;

According to the announcement of the People's Bank of China, the shortest repricing period (the interval between two repricing days) is one year. Although LPR quotes every month, the mortgage interest rate will not be adjusted every month. After this conversion, from the first repricing date, on each repricing date, the interest rate level is recalculated and determined by the added value of LPR and conversion date in the corresponding period of the latest month, and remains unchanged during a repricing period.

Tips:

1. If you successfully switch to personal mobile banking or personal online banking of Bank of China on the same day: you choose the repricing date as the loan lending date, which happens to be the same day, and the switching time is calculated according to the LPR interest rate of 2009 (65438+ February of last year)+65438+February and the latest effective LPR issued on that day.

2. If you successfully switch at the smart counter of China Bank on the same day: you choose the repricing date as the loan release date, which happens to be the same day. The conversion date is calculated according to the LPR interest rate of (65438+ February last year) 2065438+65438+February 2009, and the loan release date of the following year is re-priced according to the LPR value published in the latest effective period.

The above contents are for your reference. Please refer to the actual business regulations.

How many ways can the personal loan interest rate be implemented?

How many ways can the personal loan interest rate be implemented?

The benchmark loan interest rate refers to the personal loan interest rate announced by the People's Bank of China, which has a universal reference function in the market. Mixed interest rate means that the interest rate remains fixed for a period of time (fixed interest rate period) at the beginning of the loan, and the interest rate execution mode is changed to floating interest rate after the fixed interest rate period.

Housing provident fund loan interest rate, housing provident fund loans belong to national policy loans, so the loan interest rate is lower than the commercial loan interest rate.

The fixed loan interest rate refers to the fixed interest rate set when signing the loan contract. No matter how the benchmark interest rate of RMB changes during the loan period, the borrower pays interest at a fixed rate.

The fluctuation of loan interest rate refers to the adjustment of loan execution interest rate with the change of benchmark interest rate announced by the People's Bank of China during the whole loan period. The adjustment time and floating ratio shall be agreed by the borrower and the borrower at the time of borrowing. The floating loan interest rate generally fluctuates on the basis of the benchmark loan interest rate.

So much for the introduction of personal loan interest rate adjustment.