After the bank loan interest rate is lowered, the monthly payment will generally decrease. This is because the decline in loan interest rate will reduce the interest paid every month, thus reducing the monthly supply. Banks usually recalculate the monthly loan payment according to the new interest rate and send adjustment notices to borrowers.

Specifically, assuming that your loan principal remains unchanged, if the bank reduces the loan interest rate from 5% to 4%, your monthly payment will be reduced accordingly. This is because you need to pay less interest every month, which leads to a decrease in monthly payment. However, it should be noted that the actual monthly payment after the interest rate cut also depends on the loan term and repayment method.

In short, under normal circumstances, the reduction of loan interest rate will lead to a reduction in monthly supply, but the extent of the reduction is related to the specific interest rate reduction and loan conditions. If you need exact calculation results or more details, please contact the loan bank or consult a professional financial advisor.

If your loan application is rejected, it is recommended to check your credit status through "Beijian Quick Check" first. If your credit is not good, it is suggested to wait for a period of time, and then try to apply for a loan after the credit risk score is lowered and the stain is eliminated, so that the chances of passing will be higher.