Legal analysis: once a year. Adjust once a year 1 month 1 day, that is, implement the interest rate level of 1 month 1 day every year. The calculation of loan interest is based on 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. 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 is also adjusted.

Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.