1. Introduction of ICBC's mortgage products: Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers based on the real estate in the name of customers (including spouses) for legal and compliance purposes such as operation and consumption.

2. Product advantages: the loan has various purposes: it can be used for legal and compliance purposes such as business operation, car purchase, education, medical care and large-scale durable goods consumption;

3. Wide range of collateral: houses, commercial houses and dual-use houses under the name of customers (including spouses) can be used for mortgage;

4. High loan amount: up to 70% of the mortgaged property value;

5. It has the function of revolving loan: one-time mortgage, recycling, and returning with the loan, which is convenient and fast, and can realize self-service loan issuance through merchant POS and online banking.