If your loan is a floating interest rate loan and linked to the benchmark interest rate announced by the People's Bank of China, there are two ways to adjust your loan interest rate when the benchmark interest rate of the People's Bank of China is adjusted. First, since the actual lending date, it will be re-priced every floating period agreed in the contract, and the re-pricing date will be the first day of the next floating period. There are many types of floating cycle spans, and the loan contract shall prevail. Second, re-price once every June 65438+ 10/,that is, the interest rate adjustment date of your loan is June 65438+1 0/every year after the loan is issued. If the benchmark interest rate of the People's Bank of China is adjusted in the previous floating period, your loan interest rate will be calculated in the floating period according to the new benchmark interest rate of the People's Bank of China from the date of interest rate adjustment, combined with the interest rate floating ratio or addition and subtraction points agreed in the contract.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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