Stock mortgage meets the following three conditions, and the interest rate will be automatically adjusted by the system without customer application. These three conditions are:
1. Enjoy a 15% discount interest rate of 65438 before October 27th last year/kloc-0;
Second, there is no record of breach of contract for more than two consecutive periods (inclusive) in the past 24 months;
Third, there is no bad repayment record for other loans in ICBC.
Citizens who do not have the conditions for ICBC to automatically adjust interest rates can only apply after 24 consecutive months of repayment; The other two conditions cannot be changed. In other words, if only the second condition is not up to standard, citizens can apply as long as the continuous repayment reaches 24 months in the future.
2 The conditions of Industrial Bank are as follows:
For individual commercial housing loan customers whose loan date is before 65438+February 3, 2008, if the borrower and his spouse only have a set of individual ordinary housing, the loan interest rate will drop 15% on the basis of the benchmark interest rate, and the repayment record is good, and the loan balance is more than 300,000 yuan (including 300,000 yuan), they can apply to the original loan agency of Industrial Bank for adjusting the loan interest rate to 30%. However, the relevant person of Industrial Bank explained that their policy is to own the first ordinary house (the area is below 144 square meters according to Nanjing regulations), and the existing mortgage balance is more than 300,000 yuan (including 300,000 yuan). Customers who originally enjoyed a 15% discount rate and have a good repayment record can now apply for a 30% discount rate from the bank.
Just compare the conditions of Industrial Bank.