The interest rate of house purchase loan is only adjusted once a year, which is the last time the central bank adjusted the interest rate last year. The adjustment time is 1 month every year.

In 20 12, the central bank adjusted the loan interest rate twice, and the interest rate before adjustment was 7.05%, as follows:

The adjustment time is 6 months 1 year 1-3 years (inclusive) or more.

20 1 1.02.09 5.60 6.06 6. 10 6.45 6.60

20 1 1.04.06 5.85 6.3 1 6.40 6.65 6.80

20 1 1.07.07 6. 10 6.56 6.65 6.90 7.05

20 12.06.08 5.85 6.3 1 6.40 6.65 6.80

20 12.07.06 5.60 6.00 6. 15 6.40 6.55

Your loan is 20 1 1. If it was made before July 7th, 20 1 1 year, it should be adjusted to 7.05% by June, 201year. If it was handled after July 7, 20 12, the interest rate at that time was 7.05%, and it was still 7.05% when it was adjusted in June 20 12. But by June 2065438+2003, your loan interest rate should be adjusted to 6.55% (down), and it is impossible not to adjust it.

There is only one explanation, that is, the money deducted from 65438+1October 5 is the repayment of "201265438+February"; The repayment of 2065438+2003 65438+ 10 next month (February 5) will definitely be reduced.

The above answers are for your reference only.