For the majority of existing mortgage clients, starting from January 1, 2009 they will be able to enjoy a 30% discount on their loan interest rates. It was learned by the reporter that currently all banks have relatively consistent rules for existing mortgages: if the original mortgage rate was at an 85% discount, then now you can apply for a 70% discount rate. However, there is no clear standard for the 30% discount among the banks currently. Customers need to apply at the bank, and then the bank will review each case individually based on factors such as whether there are any overdue repayment records and credit ratings.