No.

As long as the base interest rate is not adjusted, it will have no impact on the loans that have been issued.

The loan interest calculation is based on floating interest rates, and the interest will be adjusted as the interest rate adjusts. Of course, no matter how it is calculated, it will have no impact on the interest paid. There will be an impact on adjusted interest. Generally, after the bank interest rate is adjusted, the interest rate of the unpaid portion of the loan will also be adjusted accordingly. There are three forms: First, after the bank interest rate is adjusted, the loan interest rate will be adjusted to the newly adjusted interest rate at the beginning of the following year (Industrial and Commercial Bank of China, Agricultural Bank of China) , China Construction Bank mortgage loans are like this); the second is full-year adjustment, that is, the new interest rate is adjusted every year after repayment (this is what Bank of China mortgage loans are like); the third is an agreement between the two parties, usually in the next month after the bank interest rate is adjusted implement new interest rate levels. Provident fund loan interest rates are adjusted on January 1 of each year.

No matter how the base interest rate is adjusted, the extent of the increase (or decrease) remains unchanged, it is just an increase (or decrease) based on the new interest rate.