同時，浮動利率商業性個人住房貸款與全國新發放商業性個人住房貸款利率偏離達到一定幅度時，借款人可與銀行業金融機構協商，由銀行業金融機構新發放浮動利率商業性個人住房貸款置換存量貸款。重新約定的加點幅度應體現市場供求、借款人風險溢價等因素變化，加點幅度不得低於置換貸款時所在城市商業性個人住房貸款利率加點下限。The People's Bank of China announced regarding the improvement of the pricing mechanism for commercial individual housing loans, stating that when borrowers apply for commercial individual housing loans, they can choose between fixed interest rates or floating interest rates as the pricing method. If the contract specifies a fixed interest rate, the interest rate level remains unchanged during the contract period. If the contract specifies a floating interest rate, the interest rate is based on the latest one-month loan market quote rate (LPR) plus a spread, with the spread reflecting market supply and demand, borrower risk premiums, and other factors.
Borrowers of fixed interest rate commercial individual housing loans can negotiate with banks and financial institutions to replace existing loans with new floating interest rate commercial individual housing loans. During the replacement, the interest rate is based on the latest one-month loan market quote rate plus a spread, with the spread equal to the difference between the original contract interest rate level and the latest one-month loan market quote rate.
The announcement specifies that starting from November, borrowers of commercial individual housing loans with contracts specifying a floating interest rate can negotiate with banks and financial institutions to agree on a repricing cycle. On the interest rate repricing day, the pricing benchmark is adjusted to the latest one-month loan market quote rate.
At the same time, when the deviation between the floating interest rate commercial individual housing loans and the national newly issued commercial individual housing loan interest rates reaches a certain level, borrowers can negotiate with banks and financial institutions to replace existing loans with new floating interest rate commercial individual housing loans. The renegotiated spread should reflect changes in market supply and demand, borrower risk premiums, and other factors, and the spread must not be lower than the lower limit of the interest rate spread for commercial individual housing loans in the city where the replacement loan is located.
