According to the inquiry of Xicai.com, the annual adjustment is 65438+ 10/:the loan interest rate of most banks is adjusted at 65438+1 0/in June. This is because most loan contracts fluctuate according to the benchmark interest rate, and the adjustment of the benchmark interest rate is carried out on June 65438+1 October1every year. So the bank will adjust the loan interest rate according to the latest benchmark interest rate. Time adjustment agreed in the loan contract: In addition to 65438+ 10 month 1 every year, some banks will adjust the loan interest rate according to the time agreed in the loan contract. These agreements include specific dates, specific interest rate adjustment cycles and so on. When these agreed time comes, the bank will adjust the loan interest rate according to the latest market situation and its own risk control needs.