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據報內地五大銀行自8月25日起將存量個人房貸定價基準批量轉換為LPR
阿思達克 08-12 15:10
據《上證報》報道,工行(01398.HK)、農行(01288.HK)、中行(03988.HK)、建行(00939.HK)及郵儲銀行(01658.HK)今日(12日)發布關於存量浮動利率個人住房貸款定價基準批量轉換為貸款市場報價利率(LPR)的公告。

公告顯示,於8月25日起對批量轉換範圍內的個人住房貸款,按照轉換規則,統一調整為LPR定價方式。若客戶不接受批量轉換,可於一定日期前自主轉換;批量轉換完成後,如果客戶對轉換結果有異議,可於今年12月31日前自助轉回或協商處理。

根據人民銀行此前發布的公告,自今年3月1日起,金融機構應與存量浮動利率貸款客戶就定價基準轉換條款進行協商,將原合同約定的利率定價方式轉換為以LPR為定價基準加點形成(加點可為負值),加點數值在合同剩餘期限內固定不變;也可轉換為固定利率。定價基準只能轉換一次,轉換之後不能再次轉換。已處於最後一個重定價週期的存量浮動利率貸款可不轉換。

以工行發布的公告為例,工行明確的批量轉換範圍為今年1月1日前已發放的和已簽訂合同但未發放的參考貸款基準利率定價的浮動利率個人住房貸款(含個人商用房貸款)。關於批量轉換規則,工行表示,為簡化客戶操作,將參照銀行業普遍做法,於8月25日起對批量轉換範圍內的個人住房貸款,按照以下規則統一調整為LPR定價方式。

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