Suppose the loan on the 20th 11+1(ten years) day is1ten thousand yuan, and the bank loan interest rate is 4.30%. In this case, the interest will be calculated at the annual interest rate of 4.30% of 20 1 1; On February 9, 20 1 1 year, the interest rate was 4.5%, and on April 6, 201year, the loan interest rate changed after 20 12. The loan interest rate on 20 12 year 10 month 1 day is 4.90%, so the loan interest will be adjusted at the beginning of 20 12.