1. The main lender of mobile banking logs into the mobile banking of the lending bank, enters the loan interface, selects the mortgage loan that has been processed, and will see "interest rate benchmark conversion" and initiate an application from "LPR interest rate" or "fixed interest rate". The bank will send relevant short messages to the mobile phone of the sub-lender, and the sub-lender will log in to the mobile phone bank of the lending bank and confirm the conversion scheme initiated by the main lender. 2. Lenders and main lenders can choose the nearest loan bank outlets for handling within the specified time without going to the original loan handling bank.

It should be noted that the joint loan requires the primary lender and the secondary lender to be present at the same time and provide relevant information, such as marriage certificate, valid ID card, household registration book, etc. In addition, both lenders must confirm the selected adjustment plan at the same time. If one party vetoes, the adjustment method cannot be successfully converted. Converting the mortgage interest rate into LPR means that the mortgage interest rate is changed from the original floating interest rate to the loan interest rate guided by LPR. The new LPR quotation is based on the open market operating interest rate. At present, LPR quotation is made once a month, and the quotation date is the 20th of each month. The mortgage interest rates of all localities are quoted on the basis of LPR interest rate. Because the mortgage term will generally exceed 5 years, the 5-year LPR interest rate is the main reference.