📐 LPR 加点利率换算China LPR ± Basis Points Converter
把 LPR（%）与基点（BP，1 BP = 0.01%）换算为合同年利率；也可由年利率与 LPR 反推加点。不联网，LPR 请手动填写最新报价。Convert LPR (%) plus basis points (1 bp = 0.01%) to a contractual annual rate, or reverse from rate and LPR. Enter LPR yourself - no live feed.
使用说明与常见问题How-to & FAQ
「LPR 加点利率换算」是什么？What is the China LPR ± Basis Points Converter tool?
把 LPR（%）与基点（BP，1 BP = 0.01%）换算为合同年利率；也可由年利率与 LPR 反推加点。不联网，LPR 请手动填写最新报价。Convert LPR (%) plus basis points (1 bp = 0.01%) to a contractual annual rate, or reverse from rate and LPR. Enter LPR yourself - no live feed.
如何使用「LPR 加点利率换算」？How do I use the China LPR ± Basis Points Converter tool?
在「LPR 加点利率换算」中，填写「LPR %（请手动填写）」、「加点（基点 BP）或年利率」、「方向」等参数，结果会随输入实时计算并显示在下方。In the China LPR ± Basis Points Converter: Fill in "LPR % (enter manually)", "Spread (bp) or annual rate", "Direction"; results are recalculated instantly as you type.
什么是 LPR？What is LPR?
贷款市场报价利率，由报价行按公开市场操作利率加点形成，房贷利率多为「LPR + 基点」。请填写人民银行最新公布值。Loan Prime Rate: banks quote LPR as a spread over the open-market rate; mortgages are often LPR + bp. Enter the latest PBOC figure.
计算结果可以作为最终依据吗？Can I rely on the result?
「LPR 加点利率换算」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The China LPR ± Basis Points Converter uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「LPR 加点利率换算」免费吗？需要注册吗？Is the China LPR ± Basis Points Converter free? Do I need an account?
「LPR 加点利率换算」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The China LPR ± Basis Points Converter is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.