The calculation of loan interest adopts floating interest rate, and the interest is adjusted with the adjustment of interest rate. Of course, no matter how it is calculated, it has no effect on the interest already paid. It will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the unpaid part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the loan interest rate is adjusted at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is the annual adjustment, that is, the new interest rate is adjusted and implemented every repayment year (this is the case with China Bank's housing products); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. Adjust the interest rate of provident fund loans every year 1 month 1 day. No matter how the benchmark interest rate is adjusted, the floating (or falling) range remains unchanged, but it only floats (or falls) on the basis of the new interest rate.