According to the terms of most banks, the adjustment of mortgage interest rate reduction will wait until next year, starting from June 5438+next year 10 at the earliest, but some situations that the central bank may encounter after interest rate reduction:

First, the bank has lent money and repaid it on time. Now that the interest rate has been lowered, how can the interest rate be implemented?

The bank has already lent money, and the buyer needs to adjust the mortgage with the latest loan interest rate in the second year or New Year's Day of the following year (it has been repaid 1 year or more). For example, the current mortgage interest rate for five years or longer is 6.55. If you want to enjoy the latest interest rate of 6. 15, you have to wait until 20 15, 1 at the earliest.

Second, the bank borrowed money, but the buyers didn't repay it. The bank has borrowed money, but it has not yet reached the repayment date, and the first installment has not been repaid. Now that the interest rate has been lowered, how can the interest rate be implemented?

It is understood that if the loan has been repaid, but the first phase has not been repaid, the bank regulations are different, and some can only adjust the latest loan interest rate in the following year. However, buyers can try to consult the bank manager, or they can successfully sign a supplementary interest rate agreement within a certain working day after lending, and repay at the latest interest rate.

Third, the bank approved the loan, but it has not yet lent money. The bank has accepted the application, but has not yet lent money, and now it has cut interest rates. How to implement the interest rate? In this case, the bank will generally inform the customer to sign a supplementary agreement and repay the loan at the latest interest rate.