2. China Industrial and Commercial Bank. The main borrower can handle the mortgage interest rate conversion business through ICBC mobile banking, intelligent teller machine and SMS banking, and co-borrower can confirm it through the above channels. Except that SMS banking is only applicable to co-borrower, major borrowers and other channels in co-borrower can use SMS banking. If you are not used to using the self-service channel and want to handle LPR conversion at the counter, you need the main borrower and all co-borrower to bring their ID cards.
3. Bank of China. The principal borrower can handle the mortgage interest rate conversion business through mobile banking, online banking and smart counters of Bank of China, and co-borrower can confirm it through any of the above channels within 7 natural days after the principal borrower submits the interest rate conversion application. If the confirmation is not completed within 7 days, the application submitted by the main borrower will be invalid and must be resubmitted. If the main borrower handles the LPR interest rate conversion business through the manual acceptance channel, the joint borrower needs to go together to successfully handle it.
4. Agricultural Bank. The principal and the borrower apply for the conversion of mortgage interest rate through the handheld banking, online banking and super counter channels of Agricultural Bank of China, and other co-borrower can confirm the conversion through any channel. The conversion processing time is 7: 00-2 1: 30.
5. China Construction Bank. Multiple borrowers of the original loan contract can handle the mortgage interest rate conversion business through mobile banking and online banking of China Construction Bank respectively. You can also bring your original valid ID card to any intelligent teller machine (STM), counter or personal loan center of China Construction Bank to handle the mortgage interest rate conversion business alone or together.