According to what I know, the mortgage interest rates of Rural Commercial Bank are determined based on relevant policies and market conditions. The reduction in existing mortgage interest rates mainly refers to the liquidity released by the central bank's interest rate cuts, which has an impact on the overall interest rate level. However, whether a bank's specific loan interest rate will follow the central bank's interest rate reduction needs to be determined based on the bank's internal policies and market competition.

Generally speaking, if the central bank cuts interest rates, banks may correspondingly lower lending rates to attract more borrowers. However, not all loan products will adjust in line with the central bank's interest rates. This also depends on the specific loan contracts and agreements.

So, to answer your question, we need to have a detailed understanding of Rural Commercial Bank’s policies and relevant contract terms. It is recommended that you consult the counter or loan specialist of Rural Commercial Bank to obtain accurate information and answers.