Recently, there was news that Industrial Bank Guangzhou Branch offered a one-year interest rate coupon to existing mortgage customers, which attracted market attention. Personal loan managers from several branches of Industrial Bank in Guangzhou confirmed the news, but the specific implementation details are still awaiting notification. It is understood that this initiative is a pilot marketing activity of some branches in Guangzhou and has not been widely promoted. A person from Industrial Bank said that issuing interest rate coupons is a good way to lower mortgage interest rates in disguise, and is consistent with the central bank's previous statements. Dong Ximiao, chief researcher of China Merchants Union, believes that issuing interest rate coupons to existing customers as a way to lower mortgage interest rates is worth trying, and more banks should be supported to explore it.