ICBC made it clear that the interest rate standard for the first home loan was implemented when the original loan was issued. ICBC will adjust the contract loan interest rate in batches on September 25th, 2023. After batch adjustment, the new interest rate level will be implemented on the same day. Previously, interest was calculated at the original contract interest rate level.

At the same time, the online application channel has been opened, which is very convenient for ordinary people to handle. The specific processing path is: download China Industrial and Commercial Bank APP- login/registration-loan-adjustment of existing mortgage interest rate-one-click application. The "two sets to the first set" business application requires customers to upload the first set of housing loan certification materials simultaneously. Customers who repay the outstanding principal and interest of non-performing loans and existing mortgage loans currently priced at a fixed interest rate or benchmark interest rate do not need to upload proof materials.