If it is unreasonable for your lending bank to raise interest alone, it is estimated that no bank will make such a low-level mistake.

If it is proposed by the central bank (People's Bank of China), there is nothing to say. The percentage of interest rate will not increase directly. If your original interest rate was 10% per year and you were given a 30% discount when you borrowed money, then the interest rate of your loan at that time was 7%. Now the central bank has issued a regulation that the interest rate will rise by 0. 1 percentage point, and your interest rate will become (7%+0. 1%)=7. 1%. At this point, you still enjoy a 30% discount on the original interest rate. There is no discount at the new interest rate.