After the bank's interest rate is lowered, is the money previously loaned calculated at the new interest rate or at the old interest rate? _? Hello, if you apply for a loan in our bank, after PBOC adjusts the loan interest rate, our bank will adjust it according to the loan interest rate adjustment method agreed when you apply for a loan. At present, the commonly used interest rate adjustment methods are "secondary adjustment" and "fixed date adjustment". (1) and "secondary adjustment" mean that the current interest is still calculated at the original interest rate when the interest rate is adjusted. Starting from the next period, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next period; (2) Fixed date adjustment is 65438+ 10/month 1 day every year, and it is adjusted according to the listing interest rate of that day. The part before 65438+ 10 1 is still calculated at the old interest rate, and the new interest rate will be implemented after 65438+ 10/,and the installment repayment amount will be recalculated. Tips: If you don't know your interest rate adjustment method, you can dial 95555 and choose "2" manual service-"1"personal banking service-"4" personal loan service to enter manual consultation. Service hours are 8:30- 18:00. You can also contact your loan handling bank for details.

If you have any other questions, please visit China Merchants Bank's Customer Service Online (website: forum.cmbchina./CMU/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your attention and support!

After the money was deposited in the bank, the interest rate went up. Whether interest is calculated at the original interest rate or at the new interest rate, time deposits are calculated at the original interest rate and demand deposits are calculated at the new interest rate.

When the bank's interest rate rises, the previous deposit is calculated at the old or new interest rate (demand deposit), and the amount of continued deposit is calculated at the old or new interest rate. In case of any change in deposit interest rate, the new interest rate will be implemented from the date of interest rate increase, and the original interest rate will be calculated before the date of interest rate increase. Then continue to deposit and implement the new interest rate.

Fixed deposit is about to expire, and automatic transfer is set. Now the bank interest rate has increased. Is it calculated according to the new interest after automatic transfer or the previous interest? Calculated according to the interest listed in the bank on the day of transfer.

Why don't time deposits before the bank raises interest rates be implemented at the new interest rate? And the previous loan was executed at the new interest rate? How many years have you seen it clearly?

Is the bank's time deposit interest calculated according to the deposit date or the current interest after automatic transfer? The first deposit is calculated from the date of deposit.

The interest settled after maturity is incorporated into the principal, and the interest is recalculated according to the interest rate on the transfer date.

The interest rate on the second day of mortgage lending is lowered, so the benchmark interest rate is calculated according to the day of lending? Or at the new interest rate? For the loan that has been applied for, you can enjoy the new interest rate from June 5438+ 10 next year. You can enjoy a lower interest rate by paying a higher interest rate of 1 month at most in February. If you are satisfied, please accept it. Good luck!

Is the repayment interest of provident fund loans calculated at monthly interest rate or daily interest rate? China's provident fund loans generally adopt the method of matching principal and interest, and repay on a monthly basis. The repayment interest of monthly payment is calculated according to the monthly interest rate and residual principal.

Excuse me, after the bank raises interest rates, should the interest of the house purchase loan be raised accordingly, or should the loan be calculated according to the original fixed interest? When the current year's interest is adjusted (upward or downward), the loan interest rate will not be adjusted for the time being, and the loan interest rate will be recalculated once in June 5438+the following year 10, and the loan will be repaid according to the new repayment amount.

Banks have fixed-rate mortgages, so they no longer adjust. This is rare.

Is the mortgage interest rate of car dealers high or the bank loan interest rate high? Many banks such as Guangben, Toyota and Nissan can pay by installments. If banks cooperate with car dealers, they can help customers to apply for credit cards and give them a certain amount to help customers realize installment repayment. Banks also charge fees accordingly. Some banks charge a fixed percentage of fees according to the loan interest rate for the same period.