The central bank cut interest rates, so will the interest of the previous "equal principal and interest" mortgage change? If you apply for a loan tomorrow, will it be implemented according to the new loan from the central bank? Hello, if you apply for a loan in our bank, after PBOC adjusts the loan interest rate, our bank will adjust it according to the loan interest rate adjustment method agreed when you apply for a loan. Only by knowing your adjustment method can we make an accurate judgment. At present, the widely used interest rate adjustment methods are "secondary adjustment" and "fixed date adjustment". (1) and "secondary adjustment" mean that the current interest is still calculated at the original interest rate when the interest rate is adjusted. Starting from the next period, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next period; (2) Every year, 65438+ 10 month 1 day is subject to "fixed date adjustment" according to the listing interest rate of that day. The part before 65438+ 10 1 is still calculated at the old interest rate. After 65438+ 10/,the new interest rate will be implemented and the installment repayment amount will be recalculated. After confirmation, you can try to calculate through the loan calculator:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq Tips: If you are not sure about your interest rate adjustment method, you can dial 95555 and select "2" manual service-"1"personal banking service-"4" personal loan service to enter manual consultation, and the service time is 8:30- 18:00.

If you haven't applied for a loan, the specific interest rate should be further confirmed with your loan handling bank.