You see, if the loan contract signed with the bank adopts a fixed interest rate, the repayment amount will remain unchanged after the central bank announces the reduction of the benchmark interest rate; If the contract is a floating interest rate, the bank will adjust the repayment amount once a year according to the benchmark loan interest rate announced by the central bank.
However, the floating interest rate is generally adopted, that is, it is adjusted once a year, and then adjusted after you pay back 1 month (usually in February).