Is it reasonable for CCB to adjust the mortgage interest rate by telephone?

It is reasonable for banks to adjust the mortgage interest rate according to relevant policies and market environment. As a commercial bank, banks have the right to adjust the loan interest rate according to market conditions and business needs to ensure the sustainability of operations and risk controllability. Banks need to consider many factors, including monetary policy, market interest rate, capital cost and risk management. When adjusting the mortgage interest rate, banks should balance the risks and benefits to ensure that the loan interest rate can cover the cost and get a reasonable return. CCB adjusted the mortgage interest rate according to the market situation and the need of risk control, and also considered supporting low-and middle-income people to buy affordable housing. This adjustment is reasonable and in line with our operating principles and policy requirements.