The interest rate can be adjusted according to the loan term. The mortgage interest rate can be changed. When the quasi-interest rate is adjusted, the repayment amount will also be adjusted, but the floating (or falling) range during the loan period remains unchanged. If the benchmark interest rate is adjusted, the loan interest rate will rise (or fall) on the basis of the new interest rate. As for when to implement the new interest rate, it should be determined according to the nature of the loan (commercial loan or provident fund loan), the loan bank and the sample contract. 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 paid. It will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding 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, Agricultural Bank of China and China Construction Bank 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 (China bank mortgage is like this). 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.