In 2023, China Construction Bank issued an announcement on lowering the interest rate of the first home loan. For example, if the current loan interest rate is 5. 1% and LPR is 4.2%, the loan interest rate is determined by LPR+90, that is, 4.2%+0.9%. According to the relevant rules, assuming the implementation level of the first housing loan interest rate is LPR+ 10, the interest rate will be lowered by 80 points (that is, 90 points-10), that is, the loan interest rate will be adjusted from the current 5. 1% to 4.3%. Therefore, CCB's mortgage interest rate is lowered after adjustment.