1。 Loan interest is calculated at floating interest rate. After the adjustment of bank loan interest, the interest rate level of loan interest calculation is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. It will have an impact on the adjusted interest.

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 is adjusted and implemented every year of repayment (China bank mortgage is like this);

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. ?

2。 Mortgage changes with the change of national policies. The national 30% discount is a 30% discount on the benchmark interest rate. 30% of the benchmark interest rate if the benchmark interest rate changes.

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 repaid interest. ?

After the national policy changes, the new policy is generally implemented in the following year 1 month. Suppose you cancel the 30% discount now, you can still enjoy the 30% discount this year, and cancel the 30% discount from June 5438+ 10 next year.