First, since the actual lending date, it will be re-priced every floating period agreed in the contract, and the re-pricing date will be the first day of the next floating period. There are many types of floating cycle spans, and the loan contract shall prevail.
Second, re-price once every June 65438+ 10/,that is, the interest rate adjustment date of your loan is June 65438+1 0/every year after the loan is issued. If the benchmark interest rate of the People's Bank of China is adjusted in the previous floating period, your loan interest rate will be calculated in the floating period according to the new benchmark interest rate of the People's Bank of China from the date of interest rate adjustment, combined with the interest rate floating ratio or addition and subtraction points agreed in the contract.
Whether the floating methods of the above two kinds of customer loans are linked to the benchmark interest rate of the People's Bank of China, the floating ratio of interest rates, the addition and subtraction points and the floating term span shall be subject to the specific agreement in the loan contract.
Note: Due to the different requirements of provident fund management centers in different regions, the adjustment method of individual housing provident fund loan interest rate should be based on the signed provident fund loan contract, or consult the provident fund loan business outlets.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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