The mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate 10%. After adjustment on July 7th, the interest rate over five years is 7.05%, and the floating interest rate is 7.755%. According to the benchmark interest rate of 7.05%, your monthly payment is 2303.78 yuan. If you choose equal principal and interest, your monthly payment will change accordingly if the interest rate changes, but no matter how the interest rate is adjusted, 1 year will not change.