存量房贷利率下调！每月少还多少？一文为你算明白
<div class="wx_rich_media_content" id="jsWxContainer"><section style='margin-bottom: 16px;' data-mpa-powered-by="yiban.io"><a target="_blank" href="https://mp.weixin.qq.com/mp/appmsgalbum?__biz=MzA5MzY2MDkzOQ==&action=getalbum&album_id=3620095266000207880&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" linktype="text" imgurl="" imgdata="null" tab="innerlink" data-linktype="1"><span style='-webkit-tap-highlight-color: transparent;outline: 0px;color: rgb(61, 170, 214);font-size: 16px;letter-spacing: 2px;visibility: visible;'><strong style='-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;'><span style='-webkit-tap-highlight-color: transparent;outline: 0px;vertical-align: bottom;user-select: none;visibility: visible;'><span class="js_jump_icon h5_image_link"></span></span></strong></span></a></section><section><section data-tools="135编辑器" data-id="148358"><section><section><section><section style='font-size: 16px;'><section powered-by="xiumi.us" style='margin-top: 5px;margin-bottom: 10px;'><section style='width: 578px;height: 5px;background-color: rgb(56, 164, 218);'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section><section style='margin-bottom: 10px;line-height: 1.75em;'><section style='padding: 16px 20px;display: inline-block;width: 578px;vertical-align: top;background-color: rgba(199, 230, 255, 0.33);'><section powered-by="xiumi.us" style='font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;'><p><span style='color: rgb(0, 0, 0);font-size: 16px;text-indent: 0em;'>中国人民银行9月29日发布公告，完善商业性个人住房贷款利率定价机制，允许满足一定条件的存量房贷重新约定加点幅度，促进降低存量房贷利率。市场利率定价自律机制同时发布倡议，</span><strong><span style='font-size: 16px;text-indent: 0em;color: rgb(61, 170, 214);'>各家商业银行原则上应在2024年10月31日前对符合条件的存量房贷开展批量调整。</span></strong><span style='color: rgb(0, 0, 0);font-size: 16px;text-indent: 0em;'>对于加点幅度高于-30基点的存量房贷利率，将统一调整到不低于-30个基点，且不低于所在城市目前执行的新发放房贷加点下限（如有），使得利率水平靠近全国新发放房贷利率附近，预计平均降幅0.5个百分点左右。</span></p><p><span style='color: rgb(0, 0, 0); font-size: 16px; text-indent: 0em;'><br></span></p></section><section style='line-height: 1.8em; text-align: justify; text-indent: 0em;'><span style='letter-spacing: 1px;'><span style='color: rgb(0, 0, 0); text-decoration-style: solid; text-decoration-color: rgb(0, 0, 0);'>为适应房地产市场供求关系的新变化，在批量调整和常态化调整阶段，</span><strong><span style='text-decoration-style: solid; text-decoration-color: rgb(0, 0, 0); color: rgb(61, 170, 214);'>均不再区分首套、二套房（有房贷利率政策下限且区分首套、二套的城市除外），</span></strong><span style='color: rgb(0, 0, 0); text-decoration-style: solid; text-decoration-color: rgb(0, 0, 0);'>引导首套、二套存量房贷利率降至全国新发放房贷利率平均水平附近，减轻存量房贷借款人利息负担。</span></span></section></section></section></section><p style='margin-top: 0em; line-height: 1.75em; outline: 0px; text-align: center;'><span style='font-size: 16px; caret-color: rgb(51, 51, 51); text-align: justify; letter-spacing: 1px;'>此次调整释放了什么信号？</span></p><p style='margin-top: 0em; line-height: 1.75em; outline: 0px; text-align: center;'><span style='font-size: 16px; caret-color: rgb(51, 51, 51); text-align: justify; letter-spacing: 1px;'>具体能为购房者节约多少利息支出？</span></p><p style='margin-top: 0em; line-height: 1.75em; outline: 0px; text-align: center;'><span style='font-size: 16px; caret-color: rgb(51, 51, 51); text-align: justify; letter-spacing: 1px;'>专家做出解读</span></p><p style='margin-top: 0em; line-height: 1.75em; outline: 0px; text-align: center;'><span style='font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-align: justify;'>↓↓↓<br></span></p><section powered-by="xiumi.us" style='margin-top: 10px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; color: rgb(34, 34, 34); justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;'><section style='margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;'><section style='padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;color: rgb(255, 255, 255);visibility: visible;'><p style='outline: 0px;visibility: visible;'><span style='letter-spacing: 1px;'><strong style='letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;'><span style='outline: 0px; font-size: 16px; visibility: visible; color: rgb(0, 122, 170); text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>购房者能省多少钱？</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><br style='outline: 0px;'></section></section></section></section><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px;'><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);'>以100万元、25年期、等额本息还款的存量房贷为例，假设该房贷利率从4.4%降至3.55%，可节约借款人利息支出每年约5600元。<br></span></p><p style='margin-top: 20px; margin-bottom: 20px; -webkit-tap-highlight-color: transparent; outline: 0px; font-family: "PingFang SC", system-ui, -apple-system, "system-ui", Arial, sans-serif; letter-spacing: 0.544px;'><span style='letter-spacing: 1px;'><span style='color: rgb(61, 170, 214);'><strong><span style='font-size: 16px;caret-color: rgb(51, 51, 51);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>批量调整完成后，预计这一项政策将惠及5000万户家庭，1.5亿人口，每年可为存量房贷家庭节约支出1500亿。</span></strong></span></span></p><p style='letter-spacing: 0.578px;'><span style='font-size: 16px;letter-spacing: 1px;'>专家表示，此次存量房贷调整后，提前还贷会明显减少，也有利于银行稳定贷款规模，提高贷款质量。</span></p><p style='letter-spacing: 0.578px;'><span style='font-size: 16px;letter-spacing: 1px;'><br></span></p><section powered-by="xiumi.us" style='margin-top: 10px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; color: rgb(34, 34, 34); justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;'><section style='margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;'><section style='padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;color: rgb(255, 255, 255);visibility: visible;'><p style='outline: 0px;visibility: visible;'><span style='letter-spacing: 1px;'><strong style='letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(0, 122, 170);font-size: 16px;text-decoration-style: solid;text-decoration-color: rgb(0, 122, 170);visibility: visible;'><span style='text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>存量房贷利率</span></span></strong></span></p><p style='outline: 0px;visibility: visible;'><span style='letter-spacing: 1px;'><strong style='letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(0, 122, 170);font-size: 16px;text-decoration-style: solid;text-decoration-color: rgb(0, 122, 170);visibility: visible;'><span style='text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>何时调整<strong style='color: rgb(34, 34, 34); letter-spacing: 1px;'><span style='color: rgb(0, 122, 170); text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>？</span></strong>如何调整<strong style='color: rgb(34, 34, 34); letter-spacing: 1px;'><span style='color: rgb(0, 122, 170); text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>？</span></strong></span></span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><br style='outline: 0px;'></section></section></section></section><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px;'><span style='letter-spacing: 1px;'>根<span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;caret-color: rgb(51, 51, 51);'>据市场利率定价自律机制发布的倡议，</span><span style='color: rgb(61, 170, 214);'><strong style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 0.034em;caret-color: rgb(51, 51, 51);'>明确各商业银行在2024年10月31日前，对符合条件的存量房贷开展批量调整</strong><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;caret-color: rgb(51, 51, 51);'>，</span></span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;caret-color: rgb(51, 51, 51);'>将利率较高的存量房贷利率降至全国新发放房贷利率附近，让借款人尽早获益。</span></span></p><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px;'><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;caret-color: rgb(51, 51, 51);letter-spacing: 1px;'><br></span></p><p><span style='font-size: 16px;letter-spacing: 1px;'>批量调整阶段，首套、二套及以上存量房贷都可调整。去年已经调整过加点幅度的存量房贷也包含在内。</span></p><p><span style='font-size: 16px;letter-spacing: 1px;'><br></span></p><p><span style='font-size: 16px;letter-spacing: 1px;'>业内人士认为，<span style='color: rgb(61, 170, 214);'><strong>这次调整符合市场预期，覆盖存量首套和二套房贷利率，去年首轮存量房贷利率下调，只覆盖存量首套房贷利率，这次的范围拓展了</strong>。</span></span></p><p><span style='font-size: 16px;letter-spacing: 1px;'><br></span></p><p><span style='font-size: 16px;letter-spacing: 1px;'>对于调整方式，倡议提出，各商业银行应尽快完成合同文本变更、系统改造等前期准备工作，确保如期完成存量房贷利率调整相关工作。<span style='color: rgb(61, 170, 214);'><strong>目前，已有多家商业银行表示，将于10月12日发布具体操作公告</strong>，</span>确保如期完成批量调整工作。</span></p><p><span style='font-size: 16px;letter-spacing: 1px;'><br></span></p><section powered-by="xiumi.us" style='margin-top: 10px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; color: rgb(34, 34, 34); justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;'><section style='margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;'><section style='padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;color: rgb(255, 255, 255);visibility: visible;'><p style='outline: 0px;visibility: visible;'><span style='letter-spacing: 1px;'><strong style='text-indent: 0em;color: rgb(34, 34, 34);letter-spacing: 0.544px;font-size: var(--articleFontsize);'><span style='color: rgb(0, 122, 170);font-size: 16px;text-decoration-style: solid;text-decoration-color: rgb(0, 122, 170);'>批量调整后</span></strong></span></p></section><section style='line-height: 1.6em; text-indent: 0em;'><span style='letter-spacing: 1px;'><strong><span style='color: rgb(0, 122, 170); font-size: 16px; text-decoration-style: solid; text-decoration-color: rgb(0, 122, 170);'>借款人利率可降至什么水平？</span></strong></span></section></section></section></section><section powered-by="xiumi.us" style='outline: 0px;text-align: center;visibility: visible;'><section style='outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;'></svg></section></section></section><section style='margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;'><section powered-by="xiumi.us" style='margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;'><section style='outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;'><br></section></section></section></section><section><section powered-by="xiumi.us"><section><section powered-by="xiumi.us"><span style='font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;'>业内人士表示，由于重定价日的不同，不同借款人的利率在批量调整后会有所差异，但在重定价日后，利率将降至全国新发放房贷利率附近。</span></section><section powered-by="xiumi.us"><br></section></section></section></section><p><span style='font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;'>《关于批量调整存量房贷利率的倡议》明确：批量调整阶段，商业银行将在贷款市场报价利率（LPR）上加点幅度高于-30基点的存量房贷加点幅度降至-30基点，且不低于所在城市目前执行的新发放房贷加点下限。简单来说，<strong><span style='color: rgb(61, 170, 214);'>就是统一调整为贷款市场报价利率LPR-30基点。</span></strong></span></p><p><br></p><p><span style='font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;'>截至7月末，全部存量房贷加权平均利率约为4.06%。今年前8个月全国新发放房贷平均利率为3.61%。根据倡议，存量房贷利率批量调整后将降至约3.55%，调整后，利率较调整前的4.06%降幅约0.5个百分点，预计降幅为平均值，具体到每个合同将各有不同。</span></p><p><br></p><section><span style='font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;'>业内人士表示，如果考虑到此前央行政策利率下调0.2个百分点，10月21日贷款市场报价利率（LPR）可能跟随下降0.2个百分点，在贷款重定价后，调整后的存量房贷利率水平还将明显低于3.55%，降到约3.35%左右，<strong><span style='color: rgb(61, 170, 214);'>部分借款人房贷利率更将下降100个基点以上，也就是1个百分点，</span></strong>这将大幅节省房贷借款人的利息支出。</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><section style='margin-top: 10px;margin-bottom: 10px;outline: 0px;display: flex;flex-flow: row;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;'><section powered-by="xiumi.us" style='padding-right: 26px;padding-left: 26px;outline: 0px;color: rgb(241, 248, 255);letter-spacing: 1px;'><p style='outline: 0px;'><span style='outline: 0px; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 16px;'><strong style='outline: 0px;'><span style='outline: 0px;'>延伸阅读</span></strong></span></p></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em;'><section powered-by="xiumi.us" style='padding: 5px 20px 15px;outline: 0px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;'><section style='outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;'><span style='letter-spacing: 1px;'><span style='color: rgb(0, 0, 0);font-size: 16px;'>9月29日，中国人民银行、国家金融监督管理总局下发关于优化个人住房贷款最低首付款比例政策的通知，通知显示</span><span style='color: rgb(61, 170, 214);'><strong style='font-size: 16px;letter-spacing: 0.578px;'>对于贷款购买住房的居民家庭，商业性个人住房贷款不再区分首套、二套住房，最低首付款比例统一为不低于15%。</strong></span></span></section><section style='outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;'><span style='letter-spacing: 1px;'><span style='color: rgb(61, 170, 214);'><strong style='font-size: 16px;letter-spacing: 0.578px;'><br></strong></span></span></section><p data-source="cke" style='letter-spacing: 0.578px;'><span style='font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;'>在全国统一的最低首付款比例基础上，中国人民银行各省级分行、国家金融监督管理总局各派出机构按照因城施策原则，根据辖区各城市政府调控要求，自主确定辖区各城市是否设定差别化的最低首付款比例政策，并确定辖区各城市最低首付款比例下限。</span><span style='font-size: 16px;letter-spacing: 0.578px;color: rgb(0, 0, 0);'></span></p></section></section></section><section style='margin-top: 6px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; text-align: center; opacity: 0.16; line-height: 1.75em;'><section style='outline: 0px;display: inline-block;width: 537.537px;height: 6px;vertical-align: top;overflow: hidden;'><br></section></section><section style='letter-spacing: 0.578px; text-align: center; line-height: 1.75em;'></section><section style='letter-spacing: 0.578px; text-align: center; line-height: 1.75em;'><br></section></section></section></section></section></section><section data-tools="135编辑器" data-id="us-4285486" style='-webkit-tap-highlight-color: transparent; outline: 0px; font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; color: rgb(62, 62, 62);'><p style='-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;line-height: 1.75em;text-align: center;'><span style='-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;letter-spacing: 2px;'></span></p></section><p style='display: none;'><mp-style-type data-value="10000"></mp-style-type></p></div> 当时选了固定lpr的怎么办
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