From March 1 2020, both mobile banking and online banking of China Construction Bank can convert loan interest rates through online banking. At the same time, I can go to the intelligent teller machines, counters and personal loan centers of CCB branches with my original valid ID card.

Mobile banking, online banking and online banking (online banking) must be authenticated and verified through electronic channels.

When handling business through intelligent teller machines, counters of business outlets and personal loan centers, you must bring your original valid certificate; When entrusting others to handle business in bank outlets or personal loan centers, they must provide their valid identity documents and notarized power of attorney.

China Construction Bank Shenzhen Branch recently issued a "No Real Estate Speculation" notice, aiming at promoting the stable and healthy development of Shenzhen property market and ensuring the reasonable housing demand of citizens.

On May 7th, the interest rate of the first home mortgage of Shenzhen Construction Bank will be LPR+45BP (equal to 5. 10%), and the interest rate of the second home mortgage will be LPR+95BP (equal to 5.60%), which is 35bp higher than before. In order to support low-income groups to buy affordable housing, the mortgage interest rate remains unchanged, that is, LPR+30BP (about 4.95%) is implemented.

But every loan manager agrees that it is likely to continue to raise interest rates. The personal loan manager of China Bank said that it has not received the notice yet, but it is expected that it will be raised soon, and CCB will become the vane of the mortgage industry.

The personal loan manager of the Agricultural Bank of China said that the interest rate is the same as before, but if you want to borrow 4.95%, you'd better put your own information and credit records together and you can't enjoy the lower interest rate.

For example, the adjusted interest rate of the first home loan is 4.95%, the total loan amount is 3 million, the loan term is 30 years, the mortgage repayment is 160 13 1 yuan, and the total interest is 2,764,700 yuan.

The loan interest rate is 5 10%, the monthly payment is 16288.49 yuan, and the total interest is 2,863,900 yuan.