The LPR tailored to home buyers turned out to be such a routine

Now we encounter a situation where the LPR may fall from January to November, but it cannot be lowered or even raised in December, which is a hooligan! The 18 commercial banks are knives, the people's banks are knives, and the buyers are fish! The 18 commercial banks that decide on LPR pricing tacitly increase LPR pricing in December of each year, (only December is not normal for one month, the impact on the national macro financial policy is small, but the impact on home buyers is huge) After all, the mortgage business accounts for a large proportion of each commercial bank; it is not very possible to reduce the LPR and let these commercial banks cut their own flesh. If the mortgage LPR is priced according to the average price of the previous year, rather than the pricing of the December month, it is more stable, more in line with the macro financial policy at the national level, and more protective of the rights and interests of buyers.