1. Employees of CCB who purchase new houses, renovated houses and second-hand houses are exempted from taxes according to the original tax rate of 2.5%, 5.5% and 7.5% respectively.

2. CCB has the conditions to provide 20% of the housing loan amount.

3. CCB employees can enjoy preferential interest rates for consumer mortgage loans and social security housing mortgage loans of the Group.

4. Employees who purchase preferential mortgage loans from CCB can apply for government subsidies.