How do BP and percentage points convert?

1 BP is 0.01 percentage point; 100 BP is 1 point.

Does a contract change immediately with LPR?

Not necessarily; the contract reset date and spread control it.

They turn the converted rate into a payment you can check.

No. Enter a value from a reliable source to avoid treating stale data as current.

Convert an LPR reference and basis-point adjustment into a contract rate and payment

Computed in your browser

Enter a confirmed LPR. Negative BP subtracts and positive BP adds.

Reference LPR (%)

Basis-point adjustment (BP)

Loan principal (CNY)

Loan term (years)

Enter a confirmed LPR yourself. The page does not fetch or label a value as current.

LPR 3.1% · minus 20 BP · CNY 1,000,000 · 30 years

A 2.9% contract annual rate and matching payment

Negative BP subtracts; positive BP adds.

One hundred basis points equal one percentage point: contract rate = LPR + BP÷100, then monthly rate is annual rate÷12.

Convert a reference LPR plus or minus basis points into a contract annual rate, monthly rate and equal payment.

How do BP and percentage points convert?: 1 BP is 0.01 percentage point; 100 BP is 1 point.
Does a contract change immediately with LPR?: Not necessarily; the contract reset date and spread control it.
Why enter principal and term?: They turn the converted rate into a payment you can check.
Does this page provide the current LPR?: No. Enter a value from a reliable source to avoid treating stale data as current.