Generally speaking, there is no need to go to the bank to lower the mortgage interest rate. When the central bank announced that it would cut the benchmark interest rate, the bank would automatically adjust the loan interest rate according to the new interest rate policy. As a lender, you only need to repay at the new interest rate at the next repayment, and you don't need to go to the bank to go through the relevant formalities.

In addition, if you choose a floating interest rate when applying for a mortgage, the interest rate reduction will be automatically reflected in your loan interest rate. But if you choose a fixed interest rate, your loan interest rate will not be adjusted when the interest rate is lowered.

It should be noted that the specific loan interest rate adjustment may need to be determined according to the terms of the contract and the bank's policies and regulations. Therefore, it is recommended that you communicate with the bank to confirm the specific adjustment details while enjoying the interest rate cut, so as to ensure that you can enjoy the greatest benefits.