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[问与答] 关于存量房贷。

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我当时买房的时候是 LPR-20BP,现在商贷利率 4%，这次降了之后要变成多少？是 4%-30BP%还是目前的 LPR 3.85-30BP%.？还是分三个日子，比如 10 月底降一波，等明年重新日子的时候再来一波，贷款经理也搞不清楚。

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