Any interest rate adjustment by the central bank will have an impact on people who borrow money to buy a house. But it only affects the interest, not the principal. All mortgage interest is floating and automatically adjusted according to the interest of the central bank. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day. The calculation of loan interest adopts floating interest rate, and the interest is adjusted with the adjustment of interest rate. Of course, no matter how it is calculated, it has no effect on the interest paid.