On September 30, the six major state-owned banks successively issued announcements on implementing interest rate discount policies for residents' home purchase loans. Starting October 1, 2026, they will provide financial interest rate discount services for issuing new eligible commercial personal housing loans for the first housing unit. A number of banks have made it clear that they will adopt a “no claim and enjoy” processing method, that is, when interest is collected each month, the corresponding interest discount amount will be automatically deducted from each instalment payment amount, and customers will be promptly notified via SMS, etc.

On September 30, the six major state-owned banks successively issued announcements on implementing interest rate discount policies for residents' home purchase loans. Starting October 1, 2026, they will provide financial interest rate discount services for issuing new eligible commercial personal housing loans for the first housing unit. A number of banks have made it clear that they will adopt a “no claim and enjoy” processing method, that is, when interest is collected each month, the corresponding interest discount amount will be automatically deducted from each instalment payment amount, and customers will be promptly notified via SMS, etc.