[The six major state-owned banks responded to the new policy of housing loan interest discounts and made it clear that "you can enjoy it without applying"] On September 30, the six major state-owned banks (Agricultural Bank of China, Postal Savings Bank of China, Industrial and Commercial Bank of China, Bank of China, Bank of Communications and China Construction Bank) successively issued announcements on September 30 on the implementation of interest discount policies for residents' home purchase loans. Starting from October 1, 2026, fiscal discount services will be provided for newly issued commercial personal housing loans for eligible first homes. Many banks have made it clear that they will adopt the "enjoy without application" method, that is, when collecting interest every month, the corresponding interest discount amount will be automatically deducted from the repayment amount of each period, and customers will be informed in a timely manner through text messages and other means.