[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020051318175214523":3,"related-JP2020051318175214523":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":27,"articleModuleVoList":28,"extendContentList":29,"noteCount":19,"categoryList":30,"dailyKeywordList":31},10,2314,"1",1,"JP2020051318175214523","1041018",3,"","个人房贷利率转换为LPR利率，具体怎么办理？","https:\u002F\u002Fimage.jane7.com\u002F55eaa595-2248-4293-bd5b-01ea7217d4b0.png","https:\u002F\u002Fimage.jane7.com\u002F2a3449c4-4375-4a93-b2a0-9bdf745cf64e.png","自今年3月1日起，我们可以将固定的房贷利率，转换为LPR浮动利率。那具体怎么办理呢？以下两种方式，供你参考","\u003Csection>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">注意了！\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px;\">房贷利率的转换仅限3月1日～8月31日内完成办理\u003C\u002Fstrong>\u003Cspan style=\"font-size: 16px;\">。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">这是唯一的一次机会，一旦错过，你就得保持固定利率到贷款还完了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">目前，不少银行已经推出\u003Cstrong class=\"ql-author-1650050\">“房贷利率转换成新的LPR利率”\u003C\u002Fstrong>的方案。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">你可以在2020年3月至8月期间，去银行申请，把房贷合同中的利率，改成跟LPR浮动利率挂钩。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">考虑到方便办理，现在很多银行也\u003Cstrong class=\"ql-author-1650050\">支持网上操作\u003C\u002Fstrong>，你只要按银行的通知，登录网银或手机银行APP，按提示操作，就能完成转换了，还是很方便的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">如果实在不放心，担心自己填错信息，可以直接\u003Cstrong class=\"ql-author-1650050\">打电话咨询你贷款行的客户经理\u003C\u002Fstrong>，了解详情，客户经理也会详细地给你讲解每一步怎么操作。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">这里也提醒你：\u003Cstrong class=\"ql-author-1650050\">转换为LPR利率后，可以关注下每月20日都会公布的LPR最新利率，如果未来再遇上降息，你就能享受优惠了。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">这一次的调整，仅针对商业贷款，\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\">如果你是纯公积金贷款，就无需转换\u003C\u002Fstrong>；如果你是商业贷款+公积金的混合贷款，只能调整商业贷款部分。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">如果你是在2020年后签订的商业贷款合同，或者之后打算买房的，未来统一按LPR方式计算房贷，也不用纠结怎么选的问题了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">如果你还有其他问题，也欢迎留言与我交流。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">关注公众号“简七读财（jane7ducai）”，发送关键词“LPR”查看更多科普和理财知识干货。\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fsection>","2020-05-13 18:17:55",100,0,"zhanglizi@jane7.com","2020-05-13 18:17:52",27,false,6711,2,"1038002","LPR,房贷",[],[],[],[],[33,43,52,63],{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":36,"locationType":25,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":23,"createTime":41,"seoUrl":42,"seoKeywords":27},99,"买房租房","JP2020051318215467869",20200513,"如果把房贷利率转换为LPR利率，一年能省多少钱？","房贷利率转换为LPR利率，一年能省多少钱？","https:\u002F\u002Fimage.jane7.com\u002F25a15b3d-9b4b-4c1d-beec-200bdc16342e.png","2020-05-13 18:21:54","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051318215467869-99.html",{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":44,"locationType":25,"sortNumber":45,"articleTitle":46,"introduction":47,"coverImage":48,"likeCount":7,"realSearch":23,"createTime":49,"seoUrl":50,"seoKeywords":51},"JP2020071316581016440",20200713,"租房时如何避免被坑？13个技巧和法律常识","特意采访了一些租房达人和靠谱中介，整理了13条实在技巧和法律常识，分享给你~","https:\u002F\u002Fimage.jane7.com\u002Ff196aa88-9271-4aaf-9ef3-4075062b65b6.png","2020-07-13 16:58:10","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071316581016440-99.html","财商",{"pageSize":4,"articleWikiId":53,"wikiName":54,"articleCode":55,"locationType":25,"sortNumber":56,"articleTitle":57,"introduction":58,"coverImage":59,"likeCount":60,"realSearch":23,"createTime":61,"seoUrl":62,"seoKeywords":11},94,"财商入门","JP2021113010141917147",20211119,"有了30万，先买房还是先买车？","一些简单的分析，供你参考","https:\u002F\u002Fimage.jane7.com\u002F908d7713-956e-42af-bb39-8cab988e2d9f.png",12,"2021-11-30 10:14:19","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021113010141917147-94.html",{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":64,"locationType":25,"sortNumber":65,"articleTitle":66,"introduction":67,"coverImage":68,"likeCount":19,"realSearch":23,"createTime":69,"seoUrl":70,"seoKeywords":71},"JP2020051115202330245",20200511,"单身女性，要不要买房？送你一张「买房首付行动清单」","“男方负责买房，女方负责买车”的时代已经逐渐过去了，现在大城市里的单身女性们，也都争相买房。","https:\u002F\u002Fimage.jane7.com\u002Fc41effe2-bb75-4be3-ab6a-98e23d5a4929.png","2020-05-11 15:20:23","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051115202330245-99.html","买房,单身女性,单身,首付"]