After the adjustment of general bank interest rate, the interest rate of the outstanding part of the loan will also be adjusted accordingly. There are three forms:
First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this).
The second is the annual adjustment, that is, the new interest rate will be adjusted and implemented every year of repayment (this is the case with bank mortgage in China).
Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.
Mortgage changes with the change of national policies. The national 30% discount is 30% off the benchmark interest rate. If the benchmark interest rate changes, it is 30% off the benchmark interest rate. If the state cancels the 30% discount policy, the interest rate discount on the outstanding part of the loan will also be cancelled. Of course, it has no effect on the part of interest that has been repaid. After the national policy changes, the new policy is generally implemented in the following year 1 month. Assuming that the 30% discount is cancelled now, you can still enjoy the 30% discount this year, and the 30% discount will be cancelled from June 5438+ 10 next year.