1. You can look at the loan contract first. If the annual interest rate adjustment method is selected, when the new mortgage interest rate is lowered, it will be implemented on 1+0 in the next year.

2. If the quarterly interest rate adjustment method is selected, the loan interest rate will be lowered in the next quarter.

3. If you choose the national interest rate method, it will not change with the interest rate adjustment.

4. If the repayment of commercial loans is less than one year, it will not be adjusted with the adjustment of the national benchmark interest rate.