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【速搜问答】lpr基点怎么定

问答 admin 8个月前 (04-02) 156次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

贷款实际利率由lpr利率加基点确定,其中lpr利率由18家报价行报出各自的贷款利率,由全国银行间同业拆借中心剔除最低价、最高价,平均得出一个贷款基础利率,就是LPR。基点由贷款银行按照全国和当地住房信贷政策要求确定。

The actual loan interest rate is determined by the LPR interest rate plus the base point. The LPR interest rate is quoted by 18 quotation banks. The national interbank lending center removes the lowest price and the highest price, and obtains an average loan base interest rate, namely LPR. The base point shall be determined by the lending bank in accordance with the requirements of national and local housing credit policies.

贷款实际利率由 lpr 利率加基点确定,其中 lpr 利率由 18 家报价行报出各自的贷款利率,由全国银行间同业拆借中心剔除最低价、最高价,平均得出一个贷款基础利率,就是 LPR。基点由贷款银行按照全国和当地住房信贷政策要求确定。

The actual loan interest rate is determined by the LPR interest rate plus the base point. The LPR interest rate is quoted by 18 quotation banks. The national interbank lending center removes the lowest price and the highest price, and obtains an average loan base interest rate, namely LPR. The base point shall be determined by the lending bank in accordance with the requirements of national and local housing credit policies.

LPR 利率报价行分别有工商银行、农业银行、中国银行、建设银行、交通银行、招商银行、中信银行、兴业银行、浦发银行、民生银行、西安银行、台州银行、上海农商银行、广东顺德农商行、渣打中国、花旗中国、深圳前海微众银行、浙江网商银行。

LPR interest rate quotation banks include industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, construction bank, Bank of communications, China Merchants Bank, CITIC Bank, industrial bank, Shanghai Pudong Development Bank, Minsheng Bank, Bank of Xi’an, Bank of Taizhou, Shanghai Rural Commercial Bank, Guangdong Shunde rural commercial bank, Zhada China, Citibank China, Shenzhen Qianhai Weizhong bank and Zhejiang e-commerce bank.

LPR 利率是每月 20 号公布,并不是一年调一次,2021 年 1 月 20 日 LPR 利率中,1 年期 LPR 利率为 3.85%,5 年期以上 LPR 利率为 4.65%。用户办理贷款时不同的银行给出的基点不同,但是 LPR 利率都是一样的。

The LPR interest rate is announced on the 20th of each month, not once a year. In the LPR interest rate on January 20, 2021, the one-year LPR interest rate is 3.85%, and the five-year LPR interest rate is 4.65%. When users apply for loans, different banks give different basis points, but LPR interest rates are the same.

用户在银行办理贷款后必须按时还款,不能出现逾期的情况,因为逾期后会产生罚息,时间越长罚息越多,而且在逾期后银行会把逾期记录上传至征信中心,导致个人征信变不良,影响后续再次申请贷款,比如车贷或者房贷等。

The user must repay the loan on time after handling the loan in the bank, and the overdue situation can’t occur, because there will be default interest after the overdue, and the longer the time is, the more the default interest will be. Moreover, after the overdue, the bank will upload the overdue record to the credit reference center, which will lead to bad personal credit investigation and affect the subsequent re application for loans, such as car loans or housing loans.


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