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晋城银行关于存量浮动利率贷款定价基准转换为LPR的公告

[发布时间:2020年03月23日 来源: 点击:次]

zunjingdejinchengyinxingkehu:

  genjuzhongguorenminyinxinggonggao〔2019〕di30haoyaoqiu,weishenhualilvshichanghuagaige,jinyibutuidongdaikuanshichangbaojialilv(lpr)yunyong,zi2020nian3yueqi,woxingjiangkaizhancunliangfudonglilvdaikuankehudingjiajizhunzhuanhuangongzuo,xianjiangjutishixianggonggaoruxia:

  一、转换原则

  chongfenbaozhangjiekuanrenhetongquanlihexiaofeizhequanyi,chongfenzunzhongjiekuanrenxuanzequan,woxingjiangzaiyuninxieshangdejichushangshixingcunliangfudonglilvdaikuandingjiajizhunzhuanhuangongzuo。

  二、转换范围

  bencicunliangfudonglilvdaikuandingjiajizhunzhuanhuanfanweiwei:2020nian1yue1riqianyifafangdeheyiqiandinghetongshangweifafangde,cankaorenminyinxingjizhunlilvdingjiadecunliangfudonglilvdaikuan(bubaokuogongjijingerenzhufangdaikuan)。yirenminyinxingjizhunlilvdingjiadegudinglilvdaikuanbuzaibencizhuanhuanfanwei。daikuandaoqirizai2020nian8yue31rizhiqiandekebuzhuanhuan;yichuyuzuihouyigezhongdingjiazhouqidecunliangfudonglilvdaikuankebuzhuanhuan。

  三、转换规则

  (一)定价基准:客户经理与客户协商一致可将原贷款合同约定的基于“人民银行基准利率”定价转换为以“贷款市场报价利率(LPR)”为定价基准加点形成(借款期限在5年及以内的主要参考1年期LPR加点,借款期限在5年以上的主要参考5年期以上LPR加点)。加点值在合同剩余期限内固定不变,双方可协商重新约定重定价周期。原贷款也可转换为固定利率,利率水平在合同剩余期限内固定不变。利率定价基准只能转换一次,转换之后不能再次转换。

im体育下载  (er)lilvshuiping:cunliangfudonglilvdaikuandingjiajizhunzhuanhuanweilpr,qizhongshangyexinggerengoufangdaikuanzhuanhuanshidianjiadianzhidengyuyuanhetongzuijindezhixinglilvshuipingyu2019nian12yuefabudexiangyingqixiandelprzhijiandechazhi。congzhuanhuanshidianzhicihoudediyigezhongdingjiari(buhan),zhuanhuanhoudezhixinglilvshuipingdengyuyuanhetongzuijindezhixinglilvshuiping,ji2019nian12yuexiangyingqixianlpryujiadianshuzhizhihe。chushangyexinggerengoufangdaikuanwai,qiyudaikuandejiadianzhicanzhaozhuanhuanshidianyuanhetongzuijindezhixinglilvshuipingyushiyongqixianlprdechazhiqueding。cihou,zidiyigezhongdingjiariqi,zaimeigelilvzhongdingjiari,lilvshuipingyouzuijinyigeyuexiangyingqixianlpryujiadianshuzhizhongxinjisuanqueding。shangyexinggerengoufangdaikuanzhongxinyuedingdezhongdingjiazhouqizuiduanwei1nian。

  四、办理方式与时间

  bencicunliangfudonglilvdaikuandingjiajizhunzhuanhuanzhuyaotongguoxianxiaqudaobanli。xuzhuanhuandekehuyuyuanjingbanxinglianxi,xieshangquedinglilvshuiping、dingjiafangshi、zhongdingjiazhouqidengyaosu。

im体育下载  bencizhuanhuangongzuoyu2020nian3yue1rikaishi,yuanzeshangzhi2020nian8yue31rijieshu。weibaozhangnindehefaquanyi,qingwubiyu2020nian8yue31riqianjishishenqingbanlicunliangdaikuandingjiajizhunzhuanhuan。

  五、友情提示

im体育下载  1、yuanhetongxiangxiacunzaigongtongjiekuanrende,xuyuqitagongtongjiekuanrenchongfenxieshangyizhi,suoyougongtongjiekuanrenjuntongyibiangenghou,fangkebanli。hetongsuoshedejiekuanren、gongtongjiekuanren、danbaoren,junxuyaoyubanliwangdiantiqianyuyue,gongtongbanlixiangguanshouxu。

  2、zaixinguanfeiyanyiqingfangkongqijian,weibaozhangnindeshentijiankang,qingnintiqianyukehujinglilianxi,yuyuebanlishijian,bimianrenqunjuji。

  3、cicicunliangfudonglilvdaikuandingjiajizhunzhuanhuangongzuobushejirenhefeiyong,woxingbuhuiyilprzhuanhuanweiyou,fujiabuhelitiaojian,qingbuyaoxiangxinwoxingyiwairenyuandedianhuahuoduanxin。

  jingqingnintuoshananpaiyewubanlishijian。youcijinindailaidebubian,womenshenbiaoqianyi,ganxienindelijieyupeihe。xiangqingqinglianxiyuandaikuanjingbankehujinglizixun。

  imtiyuxiazai

im体育下载  2020nian3yue23ri

编辑:晋城银行管理员
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