The interest rate will not be lowered, because the interest rate of your loan at that time was fixed and the national standard interest rate was used. You don't have to worry about the low interest rate of the mortgage policy. The longest loan term of a general mortgage is 30 years, and the interest rises by about 10%~30% on the basis of the national standard annual interest rate of 4.9%. For example, the central bank now stipulates that the five-year standard loan interest rate is 4.9% and the bank floating interest rate is 20%, so the actual mortgage interest rate is 4.9%×( 1+20%)=5.88%.

The benchmark interest rate is the guiding interest rate for commercial banks' deposits, loans and discounts announced by the People's Bank of China. The deposit interest rate of financial institutions can be lowered by 65,438+00%, and the loan interest rate can be lowered by 20%. The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers need a universally recognized interest rate level as a reference to measure financing costs and investors to calculate investment returns. Therefore, the benchmark interest rate is the core of the interest rate marketization mechanism. Adjust the benchmark interest rate of the central bank, including: the refinancing rate refers to the interest rate used by the People's Bank of China to issue refinancing loans to financial institutions; The rediscount interest rate refers to the interest rate used by financial institutions to discount bills to the People's Bank of China; The deposit reserve interest rate refers to the interest rate paid by the People's Bank of China to the statutory deposit reserve deposited by financial institutions.

The interest rate of excess deposit reserve refers to the interest rate paid by the central bank to the part of the reserve deposited by financial institutions that exceeds the statutory deposit reserve level. Adjust the legal deposit and loan interest rates of financial institutions. Formulate the floating range of deposit and loan interest rates of financial institutions. Formulate relevant policies and adjust the structure and grades of various interest rates. In western countries, the benchmark interest rate is traditionally the rediscount interest rate of the central bank, but not necessarily. The benchmark interest rate in Britain is the London Interbank Offered Rate. The famous benchmark interest rates are London Interbank Offered Rate (LIBOR) and the US federal benchmark interest rate. In China, the benchmark interest rate is the deposit and loan interest rate stipulated by the People's Bank of China for national specialized banks and other financial institutions. Specifically, the common people regard the one-year fixed deposit interest rate of the bank as the market benchmark interest rate index, and the bank regards the overnight lending rate as the market benchmark interest rate.