I got a mortgage at CCB, but I didn't cut interest rates. Did ABC cut interest rates?

Let's look at the loan interest rate in the loan contract. It involves an interest rate adjustment agreement, depending on whether it is a fixed interest rate (fixed) or a floating interest rate (annual adjustment). If the interest rate is fixed, then no matter how the central bank adjusts it, the interest rate will remain unchanged; If the interest rate fluctuates, the new interest rate will be implemented from 1 every year. Short-term loans with a term of one year, whether fixed or floating, are executed at the original agreed interest rate. After understanding the interest rate adjustment method agreed by both parties, look at the following two items:

1, regardless of the fixed interest rate or floating interest rate, as long as the repayment is insufficient on the specified repayment date of last month, or the repayment is overdue outside the specified repayment date, there will be a penalty interest, so the repayment this month will definitely be a few dollars more than last month. So be sure to repay in full and on time, otherwise overpayment will affect your personal credit record.

2.5438 June+every year 10 month, the interest-bearing time of the loan is within an inter-annual time period. When the benchmark interest rate changes, banks generally deduct interest by stages (in short, the money repaid in June of 20 13, and the old interest rate in June of 20 12, February of 2065438). For borrowers with equal principal and interest repayment, it is necessary to deposit more money in June 5438+ 10, because the principal part of the mortgage is the adjusted principal amount, and the adjusted principal will increase due to the interest rate cut, and the monthly payment will also increase. 20 13 has been normal since February, and you will feel it then. Don't worry. Interlaced like a mountain, it is inevitable that there will be doubts. Not only do you have doubts, but many people don't understand the repayment amount of 1, which is normal. I hope I can help you, hehe.