Different banks have different interest rates for the first home loan. The first interest rate of China Construction Bank is 5.9%. The first interest rate of ICBC: 5.9%; The first interest rate of Agricultural Bank: 5.8%; The first interest rate of China Bank: 6.35%.

At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.