上海房贷新政落地，20年100万贷款可省利息过万

Core Viewpoint - The recent adjustment of mortgage rates in Shanghai aims to unify pricing for first and second homes and normalize the adjustment of existing loan rates, following the "8.25" mortgage policy implementation [3][6][10]. Group 1: Policy Implementation - The new mortgage rate adjustment allows existing loan customers to apply for rate changes online, with some completing the process on the same day [3][4]. - The adjustment eliminates the distinction between first and second home loan rates, aligning the new second home loan rates closer to first home rates [6][10]. - The new rates for second homes in core areas have been unified to LPR-45BP, down from LPR-25BP for certain districts [6][10]. Group 2: Customer Impact - A customer reported a reduction in their second home loan rate from 3.45% to 3.36%, resulting in a monthly payment decrease of approximately 50 yuan and total interest savings exceeding 10,000 yuan over 20 years [7][12]. - Many customers expressed concerns about their eligibility for adjustments and the complexity of the calculation process, leading to increased inquiries at banks [12][16]. Group 3: Adjustment Process - Banks have established different procedures for customers to apply for rate adjustments, with some allowing applications via mobile banking apps and others requiring in-person visits [14][15]. - Some banks proactively contacted customers before the official adjustment date to initiate the rate change process [15][16]. - Customers are assured that the adjustment only affects the interest rate and does not alter other loan terms, with no fees charged for the adjustment [17].