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on the evening of the 29th, the market interest rate pricing self-discipline mechanism issued an initiative to clarify commercial banks’ plans for batch adjustments to eligible existing housing loans. (related reading:the existing housing loan reduction plan is here! october 31 becomes a critical time）

the four major banks responded quickly, all stating that the adjustment of existing mortgage interest rates was being advanced or carried out, and it also involved the release of specific implementation details.

bank of china:

actively responding to the initiative of the self-regulatory mechanism, we are promoting the reduction of existing commercial personal housing loan interest rates in an orderly manner in accordance with the law.

in accordance with the principles of marketization and rule of law, our bank will formulate implementation details in accordance with laws and regulations, and at the same time make technical preparations. it is planned to be released on october 12, 2024 through our bank’s official website, official wechat public account, loan agency, 95566 and other channels please pay attention to the specific implementation details and batch adjustments to existing mortgage interest rates before october 31, 2024. our bank will promptly respond to customer concerns and provide customers with efficient and convenient online and offline services.

you can consult through our bank’s mobile banking, loan agency, or 95566.

agricultural bank of china:

actively responding to the initiative of the market pricing self-discipline mechanism, preparations for interest rate adjustments on existing commercial personal housing loans are being carried out in an orderly manner in accordance with the law.

our bank will follow the principles of marketization and rule of law, provide convenient services through multiple channels, and carry out interest rate adjustment work in accordance with laws and regulations. specific operational matters will be announced on october 12, 2024, and all existing commercial transactions will be unified before october 31, 2024. individual housing loan interest rates will be adjusted in batches. our bank will subsequently announce relevant information on the agricultural bank of china’s official website, wechat official account, loan agency bank, 95599 and other channels. please pay attention.

if you need help, you can consult through mobile banking, loan agencies, business outlets, 95599, and the "agricultural bank of china cloud customer service" wechat official account.

industrial and commercial bank of china:

actively responding to the initiative of the self-discipline mechanism, we are advancing the adjustment of existing mortgage interest rates in an orderly manner.

our bank will follow the principles of marketization and rule of law and carry out existing mortgage interest rate adjustments in accordance with laws and regulations. it plans to announce specific operational guidelines and related matters on october 12, 2024 through the official website of the industrial and commercial bank of china, wechat official account, outlets, 95588 and other channels. , and will complete the batch adjustment of existing mortgage interest rates before october 31, 2024, so please pay attention.

china construction bank:

actively respond to the initiative of a self-regulatory mechanism for market interest rate pricing, and advance the batch adjustment of existing commercial personal housing loan interest rates in an orderly manner in accordance with the law.

our bank is working hard to formulate an implementation plan for batch adjustments to existing mortgage interest rates. it plans to issue specific operating rules on october 12, 2024, and complete the batch adjustments before october 31, 2024. relevant matters will be released in a timely manner on our bank's official website, wechat official account, outlets and other channels, so please pay attention.