Your loan is a portfolio mortgage. According to the regulations of the bank, this loan will be adjusted according to the change of PBOC benchmark interest rate at the beginning of next year. In other words, your loan needs to be adjusted on June 65438+1 October 1 day, 2008 (since PBOC did not adjust the interest rate from June 65438+1October, 2006 to the end of the year, your loan was adjusted on June 65438+1day, 2007. June, 2008, 5438+1 October1,adjusted to the floating or falling ratio under the latest benchmark interest rate level of the People's Bank of China (depending on how you agreed in the loan contract signed at the beginning, such as "interest rate floating, adjustment at the beginning of next year, floating or falling on the benchmark interest rate level?" % ",the repayment method is equal principal or equal principal and interest). Generally speaking, as long as you are not the kind of fixed-rate mortgage, your monthly repayment amount will remain unchanged this year, and will start to increase after the new interest rate is implemented in June 5438+ 10 next year.