The interest rate of existing mortgage loans of ICBC will be 30% off from the 10th

According to the detailed rules of ICBC, for personal housing loans issued before October 27, 2008, the benchmark interest rate is 0.85 times, such as Borrowers who have no record of default for more than two consecutive periods (inclusive) in the past two years and no bad records on other loans from ICBC can enjoy a preferential interest rate of 0.7 times starting from February 10, 2009.

The second tranche discount will be cancelled

ICBC has also introduced special measures for borrowers who have historical bad credit records due to special reasons and are unable to enjoy this preferential interest rate adjustment. . That is, if the borrower has made normal repayments, has no default record for more than two consecutive periods (inclusive) in the 24 months before the latest repayment date, and has no bad records on other loans from ICBC, it can also submit a written application to the loan handling bank. The loan handling bank may adjust the downward floating ratio of its loan interest rate based on analysis and judgment of the reasons for the borrower's default, ability to repay the loan, and the borrower's performance commitment. At the same time, in order to strictly manage borrowers' credit, ICBC will cancel the 0.7 times preferential interest rate for customers who enjoy preferential loan interest rates after this adjustment if they default for more than two consecutive periods (inclusive) during the future repayment period.