After the adjustment of the general bank interest rate, the interest rate of the unpaid part of the loan will also be adjusted. There are three forms. First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this).

The second is the annual adjustment, that is, the new interest rate will be adjusted and implemented every year of repayment (this is the case with bank mortgage in China).

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. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.