First, the loan interest is calculated according to the floating interest rate. After the adjustment of the bank loan interest rate, the interest rate calculated according to the loan interest rate is also adjusted accordingly. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest.

Second, after the general bank interest rate adjustment, the interest rate of the outstanding part of the loan is also adjusted accordingly, in three forms:

1, which is the newly adjusted interest rate at the beginning of the following year after the bank adjusted the interest rate (ICBC, Agricultural Bank of China and China Construction Bank all do this).

2. Annual adjustment, that is, the new interest rate will be adjusted and implemented every year of repayment (this is the case with bank mortgage in China).

3. Both parties agree that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

3. For personal loans with a loan term of less than one year, the loan interest rate shall be implemented according to the interest rate at the time of loan issuance, and no adjustment shall be made when the interest rate is adjusted.

4. In case of interest rate adjustment for installment repayment of personal loans for everyone, the interest rate of loans issued before the interest rate adjustment date of this year will not be adjusted, and the new interest rate will be implemented on June 65438+1 October1of the following year; New loans issued after the interest rate adjustment shall be implemented at the adjusted new interest rate.

5. If there is interest rate discount, it is the interest rate discount given by the bank (such as 20% discount, 7.5% discount, etc.). ). When the interest is adjusted, it is still the original discount.

Sixth, mortgage changes with the changes of national policies. The national 30% discount is a 30% discount based on the benchmark interest rate. If the benchmark interest rate changes, it will rise by 30% on the basis of the benchmark interest rate. If the state cancels the 30% discount policy, the interest rate discount on the outstanding part of the loan will also be cancelled. Of course, it has no effect on the part of interest that has been repaid. After the national policy changes, the new policy is generally implemented in the following year 1 month. Suppose you cancel the 30% discount now, you can still enjoy the 30% discount, and cancel the 30% discount from June 5438+ 10 next year.