It depends on the date of interest rate adjustment in the loan contract. Generally speaking, it is agreed to adjust the interest rate once a year, and the interest rate is adjusted once a year at 65438+1October 2 1. Even if we cut interest rates now, we will have to wait until next year, 1, 2 1.

Adjust the interest rate through application. The adjustment methods of mortgage interest rate application include:

1. is the newly adjusted interest rate of the loan interest rate at the beginning of the following year after the adjustment of the bank interest rate.

2. Annual adjustment, that is, every year of repayment, the new interest rate is adjusted and implemented. Type return

3. Both parties agree that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

Legal analysis: Wait until the interest rate repricing date, and implement the new interest rate according to the new LPR.

Legal Basis: Ten Provisions of the People's Bank of China on Prohibiting Raising the Interest Rate of Deposits and Loans without authorization or in disguise Article 1 The interest rate authorized by the People's Bank of China after being reported to the State Council for approval is the legal interest rate, which has legal effect, and no other unit or individual has the right to set or change it. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.