The Industrial and Commercial Bank of China announced on the 4th that in June 10, the interest rate of eligible individual housing loans was uniformly lowered. For individual housing loans issued before June 27th last year with an implementation benchmark interest rate of 0.85 times, borrowers with no bad records can enjoy a preferential interest rate of 0.7 times from June 10.
ICBC said that in order to further strengthen the loan support for residents to buy ordinary self-occupied housing, ICBC issued detailed rules for the implementation of preferential interest rates for individual housing loans. At present, all relevant work has been completed, and eligible mortgages will be uniformly adjusted by the computer system.
According to the detailed rules, individual housing loans issued before June 27, 2008 shall be subject to the benchmark interest rate of 0.85 times. The borrower has no record of default for more than two consecutive periods (inclusive) in the past two years, and has no bad record in other loans of ICBC, and can enjoy the preferential interest rate of 0.7 times from February 2009 and 438+00 in June 65.
This interest rate adjustment does not take the way that customers apply to ICBC outlets one by one, but adjusts eligible individual housing loans through computer systems.
The person in charge said that ICBC personal housing loan customers can specifically consult the loan handling bank about the preferential interest rate policy for personal housing loans and related matters.