Generally not, the contract will come into effect after signing.

However, the specific regulations and policies of each bank are different. You need to check the loan agreement you signed in detail. If the regulations in this regard can be re-signed, you need to contact the bank to re-sign. Just go through the signing process. Under normal circumstances, it takes one year of normal payment before adjustment can be made, and then the discounted interest rate can be determined by re-signing.