There is no interest rate cut this year, but it is reiterated that the lower limit of the loan interest rate of the first home loan is 0.7 times of the benchmark interest rate. When it comes to real loans, no bank offers loans at such a low discount.

If the national benchmark interest rate is adjusted (that is, it may be raised or lowered), the personal loan interest rate will also be adjusted accordingly, which is generally calculated according to the new interest rate of the following year 1 month after interest rate adjustment. However, the floating ratio of personal loan interest rate remains unchanged.